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FHA loans in Solana Beach, CA

Quick answer

The 2026 FHA loan limit in Solana Beach, CA (San Diego County) is $1,104,000 for a single-family home, enough for a purchase price up to about $1,144,000 with 3.5% down. On the $1,934,700 median home value, that down payment is about $67,715 and the estimated payment is $15,004/month at 7.18%, which needs roughly $644,000 a year in income.

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

Median household income: $150,820; value-to-income ratio 12.83. Solana Beach ranks 27 by home value and 436 by population among 502 places in our CA dataset.

What does an FHA loan cost on a typical Solana Beach home?

ItemSolana Beach
Median home value (Census ACS)$1,934,700
California median home value$695,400
Down payment (3.5%)$67,715
Loan incl. 1.75% upfront MIP$1,899,658
Estimated monthly payment (PITI + MI)$15,004
Income needed (28% / 36%)$644,000 / $501,000
San Diego County 2026 FHA limit (1 unit)$1,104,000
Max purchase price at the limit$1,144,000

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 Solana Beach?

Solana Beach is in San Diego County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $1,104,000. With the minimum 3.5% down, that caps the purchase price at about $1,144,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,104,000).

The Solana Beach median home value of $1,934,700 is 178% above the California median, and above what the county limit supports.

Which down payment assistance programs can Solana Beach buyers use?

FHA loans in nearby cities

EncinitasCarlsbadSan MarcosPowayVistaSan Diego

FHA loan FAQs for Solana Beach

Solana Beach is in San Diego County, where HUD's 2026 FHA limit for a one-unit home is $1,104,000. With 3.5% down, that supports a purchase price up to about $1,144,000.

3.5% of $1,934,700 is about $67,715 with a 580+ credit score (10%, or $193,470, with a 500–579 score), plus closing costs.

At the $1,934,700 median value (above the California median of $695,400), the estimated payment of $15,004/month at 7.18% needs about $644,000 a year under the 28% housing guideline, or $501,000 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.