Loan Limits / California / Mono County
2026 Loan Limits · California · NON-METRO
Mono County, CA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $670,000.
Median Sales Price
$670,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$776,250
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) | $776,250 |
| 2-unit (duplex) | $993,750 |
| 3-unit (triplex) | $1,201,200 |
| 4-unit (fourplex) | $1,492,800 |
About this county
About Mono County
Mono County is a county located in the east-central portion of the U.S. state of California. As of the 2020 United States census, its population was 13,195, making it the fourth-least populous county in California. The county seat is Bridgeport. The county is located east of the Sierra Nevada between Yosemite National Park and Nevada. The only incorporated town in the county is Mammoth Lakes, which is located at the foot of Mammoth Mountain. Other locations, such as June Lake, are also famous as skiing and fishing resorts. Located in the middle of the county is Mono Lake, a vital habitat for millions of migratory and nesting birds. The lake is located in a wild, natural setting, with pinnacles of tufa arising out of the salty and alkaline lake. Also located in Mono County is Bodie, the official state gold rush ghost town, which is now a California State Historic Park. Read more on Wikipedia →
Population
13,169
U.S. Census ACS 2023
Median Household Income
$86,953
U.S. Census ACS 2023
Median Home Value (Census)
$514,300
Owner-occupied · ACS 2023
Owner-Occupancy Rate
69%
Of occupied housing
What these limits mean for buyers in Mono County
The 2026 conforming 1-unit limit for Mono 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. Mono County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $776,250. The HUD CHUMS table pegs the median sales price for Mono County at $670,000. Mono 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 Mono County ($670,000) 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
Mono 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 Mono County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.