What are the loan limits in each California county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Alameda County | $1,249,125 | $1,249,125 | $1,599,375 | $1,057,400 |
| Alpine County | $832,750 | $736,000 | $942,200 | $466,100 |
| Amador County | $832,750 | $541,287 | $693,050 | $422,800 |
| Butte County | $832,750 | $541,287 | $693,050 | $408,700 |
| Calaveras County | $832,750 | $541,287 | $693,050 | $441,800 |
| Colusa County | $832,750 | $541,287 | $693,050 | $375,100 |
| Contra Costa County | $1,249,125 | $1,249,125 | $1,599,375 | $830,800 |
| Del Norte County | $832,750 | $541,287 | $693,050 | $319,600 |
| El Dorado County | $832,750 | $764,750 | $979,000 | $640,500 |
| Fresno County | $832,750 | $541,287 | $693,050 | $362,600 |
| Glenn County | $832,750 | $541,287 | $693,050 | $338,400 |
| Humboldt County | $832,750 | $541,287 | $693,050 | $418,800 |
| Imperial County | $832,750 | $541,287 | $693,050 | $279,500 |
| Inyo County | $832,750 | $541,287 | $693,050 | $338,400 |
| Kern County | $832,750 | $541,287 | $693,050 | $310,600 |
| Kings County | $832,750 | $541,287 | $693,050 | $305,700 |
| Lake County | $832,750 | $541,287 | $693,050 | $316,800 |
| Lassen County | $832,750 | $541,287 | $693,050 | $259,500 |
| Los Angeles County | $1,249,125 | $1,249,125 | $1,599,375 | $783,300 |
| Madera County | $832,750 | $541,287 | $693,050 | $367,700 |
| Marin County | $1,249,125 | $1,249,125 | $1,599,375 | $1,390,000 |
| Mariposa County | $832,750 | $541,287 | $693,050 | $358,000 |
| Mendocino County | $832,750 | $546,250 | $699,300 | $486,000 |
| Merced County | $832,750 | $541,287 | $693,050 | $368,400 |
| Modoc County | $832,750 | $541,287 | $693,050 | $212,000 |
| Mono County | $832,750 | $776,250 | $993,750 | $514,300 |
| Monterey County | $994,750 | $994,750 | $1,273,450 | $723,100 |
| Napa County | $1,017,750 | $1,017,750 | $1,302,900 | $838,800 |
| Nevada County | $832,750 | $649,750 | $831,800 | $602,800 |
| Orange County | $1,249,125 | $1,249,125 | $1,599,375 | $915,500 |
| Placer County | $832,750 | $764,750 | $979,000 | $658,800 |
| Plumas County | $832,750 | $541,287 | $693,050 | $327,400 |
| Riverside County | $832,750 | $690,000 | $883,300 | $510,300 |
| Sacramento County | $832,750 | $764,750 | $979,000 | $498,900 |
| San Benito County | $1,249,125 | $1,249,125 | $1,599,375 | $751,500 |
| San Bernardino County | $832,750 | $690,000 | $883,300 | $475,000 |
| San Diego County | $1,104,000 | $1,104,000 | $1,413,350 | $791,600 |
| San Francisco County | $1,249,125 | $1,249,125 | $1,599,375 | $1,380,500 |
| San Joaquin County | $832,750 | $678,500 | $868,600 | $494,500 |
| San Luis Obispo County | $1,000,500 | $1,000,500 | $1,280,850 | $777,200 |
| San Mateo County | $1,249,125 | $1,249,125 | $1,599,375 | $1,494,500 |
| Santa Barbara County | $941,850 | $941,850 | $1,205,750 | $735,700 |
| Santa Clara County | $1,249,125 | $1,249,125 | $1,599,375 | $1,382,800 |
| Santa Cruz County | $1,249,125 | $1,249,125 | $1,599,375 | $1,015,200 |
| Shasta County | $832,750 | $541,287 | $693,050 | $347,200 |
| Sierra County | $832,750 | $541,287 | $693,050 | $334,100 |
| Siskiyou County | $832,750 | $541,287 | $693,050 | $284,500 |
| Solano County | $832,750 | $685,400 | $877,450 | $589,600 |
| Sonoma County | $897,000 | $897,000 | $1,148,350 | $779,000 |
| Stanislaus County | $832,750 | $545,100 | $697,800 | $426,600 |
| Sutter County | $832,750 | $541,287 | $693,050 | $399,400 |
| Tehama County | $832,750 | $541,287 | $693,050 | $315,600 |
| Trinity County | $832,750 | $541,287 | $693,050 | $329,000 |
| Tulare County | $832,750 | $541,287 | $693,050 | $303,000 |
| Tuolumne County | $832,750 | $541,287 | $693,050 | $406,200 |
| Ventura County | $1,035,000 | $1,035,000 | $1,325,000 | $768,400 |
| Yolo County | $832,750 | $764,750 | $979,000 | $593,800 |
| Yuba County | $832,750 | $541,287 | $693,050 | $380,000 |
Which California counties are high-cost areas?
Alameda County, Contra Costa County, Los Angeles County, Marin County, Monterey County, Napa County, Orange County, San Benito County, San Diego County, San Francisco County, San Luis Obispo County, San Mateo County, Santa Barbara County, Santa Clara County, Santa Cruz County, Sonoma County, Ventura County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in California
Frequently asked questions
FHA one-unit limits in California start at $541,287. In Los Angeles County, the most populous county, it's $1,249,125.
The 2026 one-unit conforming limit in Los Angeles County is $1,249,125.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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