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Purchase Mortgage Loan

Buying a home in Kern County, CA

Quick answer

Kern County, CA has a 2026 one-unit conforming loan limit of $832,750 and an FHA limit of $541,287. Explore 18 Census-backed city pages in this county, with home values from $201,200 to $594,000. 0 county-level assistance programs have been verified.

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

What do homes cost across Kern County?

CityPopulationMedian home value
Bakersfield408,366$347,300
Delano50,835$270,300
Oildale34,971$225,000
East Niles28,586$228,100
Ridgecrest28,138$235,800
Wasco26,222$251,900
Rosamond20,835$330,100
Shafter20,618$306,800
Arvin19,478$247,800
Rosedale19,325$594,000
California City14,821$239,600
McFarland14,138$245,500
Lamont13,481$210,700
Tehachapi12,366$344,700
Potomac Park10,634$201,200
Golden Hills10,445$376,300
East Bakersfield10,377$202,400
Hillcrest10,203$250,300

What assistance is available in Kern County?

All 1–4 unit county loan limits

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.