Loan Limits / California / Inyo County
2026 Loan Limits · California · BISHOP, CA
Inyo County, CA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $455,000.
Median Sales Price
$455,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
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)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Inyo County
Inyo County is a county in the eastern central part of the U.S. state of California, located between the Sierra Nevada and the state of Nevada. In the 2020 census, the population was 19,016. The county seat is Independence. Inyo County is on the east side of the Sierra Nevada and southeast of Yosemite National Park in Central California. It contains the Owens River Valley; it is flanked to the west by the Sierra Nevada and to the east by the White Mountains and the Inyo Mountains. Mono County is to the north. With an area of 10,192 square miles (26,400 km2), Inyo is the second-largest county by area in California, after San Bernardino County which is directly south of Inyo County. Almost half of Inyo County's area is within Death Valley National Park. However, with a population density of 1.8 people per square mile, it also has the second-lowest population density in California, after Alpine County. Read more on Wikipedia →
Population
18,803
U.S. Census ACS 2023
Median Household Income
$72,432
U.S. Census ACS 2023
Median Home Value (Census)
$338,400
Owner-occupied · ACS 2023
Owner-Occupancy Rate
67%
Of occupied housing
What these limits mean for buyers in Inyo County
The 2026 conforming 1-unit limit for Inyo 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. Inyo County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Inyo County at $455,000. This matches the FHA national floor — Inyo County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Inyo County ($455,000) 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
Inyo 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 Inyo County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.