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FHA loans in Foster City, CA

Quick answer

The 2026 FHA loan limit in Foster City, CA (San Mateo County) is $1,249,125 for a single-family home, enough for a purchase price up to about $1,294,000 with 3.5% down. On the $1,774,500 median home value, that down payment is about $62,108 and the estimated payment is $13,773/month at 7.18%, which needs roughly $591,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $193,633; value-to-income ratio 9.16. Foster City ranks 36 by home value and 245 by population among 502 places in our CA dataset.

What does an FHA loan cost on a typical Foster City home?

ItemFoster City
Median home value (Census ACS)$1,774,500
California median home value$695,400
Down payment (3.5%)$62,108
Loan incl. 1.75% upfront MIP$1,742,359
Estimated monthly payment (PITI + MI)$13,773
Income needed (28% / 36%)$591,000 / $460,000
San Mateo County 2026 FHA limit (1 unit)$1,249,125
Max purchase price at the limit$1,294,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes California's 0.71% effective property tax rate (Census ACS), $1,655/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Foster City?

Foster City is in San Mateo County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $1,249,125. With the minimum 3.5% down, that caps the purchase price at about $1,294,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,249,125).

The Foster City median home value of $1,774,500 is 155% above the California median, and above what the county limit supports.

Which down payment assistance programs can Foster City buyers use?

FHA loans in nearby cities

San MateoRedwood CityBelmontSan CarlosHillsboroughBurlingame

FHA loan FAQs for Foster City

Foster City is in San Mateo County, where HUD's 2026 FHA limit for a one-unit home is $1,249,125. With 3.5% down, that supports a purchase price up to about $1,294,000.

3.5% of $1,774,500 is about $62,108 with a 580+ credit score (10%, or $177,450, with a 500–579 score), plus closing costs.

At the $1,774,500 median value (above the California median of $695,400), the estimated payment of $13,773/month at 7.18% needs about $591,000 a year under the 28% housing guideline, or $460,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.