Loan Limits / California / El Dorado County
2026 Loan Limits · California · SACRAMENTO-ROSEVILLE-FOLSOM, CA
El Dorado County, CA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $665,000.
Median Sales Price
$665,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$764,750
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $764,750 |
| 2-unit (duplex) | $979,000 |
| 3-unit (triplex) | $1,183,400 |
| 4-unit (fourplex) | $1,470,700 |
About this county
About El Dorado County
El Dorado County, officially the County of El Dorado, is a county located in the U.S. state of California, named after the mythical city of El Dorado. As of the 2020 census, the population was 191,185. The county seat is Placerville. The county is part of the Sacramento-Roseville-Arden-Arcade, CA Metropolitan Statistical Area. It is located entirely in the Sierra Nevada, from the historic Gold Country in the western foothills to the High Sierra in the east. El Dorado County's population has grown as Greater Sacramento has expanded into the region. Where the county line crosses US 50 at Clarksville, the distance to Sacramento is 15 miles (24 km). In the county's high altitude eastern end at Lake Tahoe, environmental awareness and environmental protection initiatives have grown along with the population since the 1960 Winter Olympics, hosted at the former Squaw Valley Ski Resort in neighboring Placer County. Read more on Wikipedia →
Population
192,299
U.S. Census ACS 2023
Median Household Income
$106,190
U.S. Census ACS 2023
Median Home Value (Census)
$640,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
76%
Of occupied housing
What these limits mean for buyers in El Dorado County
The 2026 conforming 1-unit limit for El Dorado County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. El Dorado County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $764,750. The HUD CHUMS table pegs the median sales price for El Dorado County at $665,000. El Dorado County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in El Dorado County ($665,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
El Dorado County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in El Dorado County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.