2026 Conforming Loan Limits in California

Name: 2026 Conforming Loan Limits in California
Creator: Federal Housing Finance Agency

California has 58 counties with conforming loan limits, including 17 high-cost areas. Limits range from $832,750 to $1,249,125.

County	1-Unit Limit	2-Unit Limit	3-Unit Limit	4-Unit Limit
LOS ANGELES COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
SAN MATEO COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
CONTRA COSTA COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
SANTA CLARA COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
SANTA CRUZ COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
MARIN COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
SAN BENITO COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
ORANGE COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
ALAMEDA COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
SAN FRANCISCO COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
SAN DIEGO COUNTYHigh-Cost	$1,104,000	$1,413,350	$1,708,400	$2,123,100
VENTURA COUNTYHigh-Cost	$1,035,000	$1,325,000	$1,601,600	$1,990,450
NAPA COUNTYHigh-Cost	$1,017,750	$1,302,900	$1,574,900	$1,957,250
SAN LUIS OBISPO COUNTYHigh-Cost	$1,000,500	$1,280,850	$1,548,250	$1,924,100
MONTEREY COUNTYHigh-Cost	$994,750	$1,273,450	$1,539,350	$1,913,000
SANTA BARBARA COUNTYHigh-Cost	$941,850	$1,205,750	$1,457,450	$1,811,300
SONOMA COUNTYHigh-Cost	$897,000	$1,148,350	$1,388,050	$1,725,050
SAN JOAQUIN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SHASTA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SIERRA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SISKIYOU COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SOLANO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
STANISLAUS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ALPINE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
AMADOR COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BUTTE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CALAVERAS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
COLUSA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
DEL NORTE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
EL DORADO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
FRESNO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GLENN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HUMBOLDT COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
IMPERIAL COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SUTTER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
TEHAMA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
TRINITY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
TULARE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
TUOLUMNE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
YOLO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
INYO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
YUBA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
KERN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
KINGS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
LAKE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
LASSEN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MADERA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MARIPOSA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MENDOCINO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MERCED COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MODOC COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MONO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
NEVADA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
PLACER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
PLUMAS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
RIVERSIDE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SACRAMENTO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SAN BERNARDINO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750

Source: Federal Housing Finance Agency (FHFA). Sorted by 1-unit limit descending. High-cost areas highlighted.

More California Resources

California Refinance Guide California Calculator Compare Lenders

Loan limits are set by the FHFA and may change annually. This page is for educational purposes only. Consult a licensed mortgage professional for guidance. Wirly is not a lender or mortgage broker.