Loan Limits / California / San Francisco County
2026 Loan Limits · California · SAN FRANCISCO-OAKLAND-FREMONT, CA
San Francisco County, CA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $1,750,000. This county is designated high-cost — conforming limits exceed the national baseline.
Median Sales Price
$1,750,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,249,125
High-cost
FHA 1u Limit
$1,249,125
Ceiling
Jumbo Threshold
> $1,249,125
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
High-cost| 1-unit (single-family) | $1,249,125 |
| 2-unit (duplex) | $1,599,375 |
| 3-unit (triplex) | $1,933,200 |
| 4-unit (fourplex) | $2,402,625 |
FHA Forward (203b)
Ceiling| 1-unit (single-family) | $1,249,125 |
| 2-unit (duplex) | $1,599,375 |
| 3-unit (triplex) | $1,933,200 |
| 4-unit (fourplex) | $2,402,625 |
About this county
About San Francisco County
San Francisco, officially the City and County of San Francisco, is the fourth-most populous city in California and the 17th-most populous in the United States, with a population of 826,079 in 2025. Among U.S. cities with a population of 300,000 or more, San Francisco is ranked first by per capita income, second by population density, and sixth by aggregate income as of 2023. Some 4.6 million residents live in the city's metropolitan statistical area, which is the 13th-largest in the United States. Around 9.2 million live in the San Jose–San Francisco–Oakland combined statistical area, the fifth-largest in the United States. Read more on Wikipedia →
Population
836,321
U.S. Census ACS 2023
Median Household Income
$141,446
U.S. Census ACS 2023
Median Home Value (Census)
$1,380,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
39%
Of occupied housing
What these limits mean for buyers in San Francisco County
The 2026 conforming 1-unit limit for San Francisco County is $1,249,125. 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. Because San Francisco County is designated a high-cost area, the limit exceeds the national baseline of $832,750.
For FHA financing, the 2026 1-unit limit is $1,249,125. The HUD CHUMS table pegs the median sales price for San Francisco County at $1,750,000. San Francisco 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 San Francisco County ($1,750,000) is above the conforming limit. A typical median-priced purchase here will be a jumbo loan unless the down payment is large enough to bring the loan amount inside conforming territory. We underwrite jumbo regularly.
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
San Francisco County 2-, 3-, and 4-unit conforming limits are $1,599,375, $1,933,200, and $2,402,625 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 San Francisco County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.