2026 California loan limits, county by county.
For 2026 the conforming loan limit in California runs from $832,750 to $1,249,125 for a one-unit home, depending on the county (source: FHFA). A loan at or under the county’s limit is “conforming”. A loan above it is “jumbo”. FHA loans have their own limits.
The three headline numbers
Sources: FHFA, 2026 conforming loan limit values; HUD, FHA mortgage limits for calendar year 2026. Homes with two to four units have higher limits.
Three kinds of loan size, and FHA’s own limit.
Which one you’re in depends on your loan amount (not the home price) and the county the home is in.
Conforming
At or under your county’s limit. These loans follow Fannie Mae and Freddie Mac rules, so most lenders treat them alike.
High-balance conforming
In higher-cost counties the limit rises above the baseline, up to the ceiling. A loan between the baseline and your county’s limit is still conforming.
Jumbo
Above your county’s limit. FHFA’s own words: “Loans above this amount are known as jumbo loans.” Each lender sets its own jumbo rules, which is why it helps to work with someone who does them every day.
FHA has a separate limit
HUD sets FHA limits county by county. In lower-cost areas the FHA limit is lower than the conforming limit; in the most expensive areas the two are the same or close.
2026 limits in California counties
One-unit homes. A loan above the conforming number is a jumbo loan in that county. Most county names lead to a page about buying there.
Updated: November 10, 2026. Source: FHFA, 2026 conforming loan limit values by county, read November 10, 2026, and HUD, FHA mortgage limits for calendar year 2026, read November 6, 2026.
| County | Conforming | FHA |
|---|---|---|
| Los Angeles County | $1,249,125 | $1,249,125 |
| Orange County | $1,249,125 | $1,249,125 |
| San Francisco CountyThe city of San Francisco | $1,249,125 | $1,249,125 |
| Santa Clara CountySan Jose and Silicon Valley | $1,249,125 | $1,249,125 |
| San Mateo CountySilicon Valley | $1,249,125 | $1,249,125 |
| San Diego County | $1,104,000 | $1,104,000 |
| San Luis Obispo CountyCentral Coast | $1,000,500 | $1,000,500 |
| Monterey CountyCentral Coast | $994,750 | $994,750 |
| Santa Barbara CountyCentral Coast | $941,850 | $941,850 |
| Ventura County | $1,035,000 | $1,035,000 |
| Napa CountyWine Country | $1,017,750 | $1,017,750 |
| Sonoma CountyWine Country | $897,000 | $897,000 |
| Riverside CountyPalm Springs and the Coachella Valley | $832,750 | $690,000 |
2026 limits, source: FHFA’s county loan limit file (read November 10, 2026) and HUD’s FHA mortgage limits (read November 6, 2026). Limits change each January; new numbers are usually announced in late November. The FHA limits for Napa, Sonoma and Riverside counties were read from HUD on November 11, 2026. An FHA limit can be lower than the conforming limit, as it is in Riverside County. These are published limits, not an offer of any loan amount. Every California county is in the next table.
2026 conforming limits for every California county, one to four units
The limit rises with the number of units in the home. A loan above the number for your county and your number of units is a jumbo loan.
Updated: November 11, 2026. Source: FHFA, Full County Loan Limit List 2026, read November 11, 2026.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Alameda CountyEast Bay | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Alpine CountyLake Tahoe and the Sierra | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Amador CountyGold Country | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butte CountySacramento Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calaveras CountyGold Country | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Colusa CountySacramento Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Contra Costa CountyEast Bay | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Del Norte CountyNorth Coast | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| El Dorado CountyLake Tahoe and the Sierra | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fresno CountyCentral Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glenn CountySacramento Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Humboldt CountyNorth Coast | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Imperial CountyImperial Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Inyo CountyEastern Sierra | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kern CountyCentral Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kings CountyCentral Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake CountyNorth Coast | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lassen CountyFar North | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Los Angeles CountyGreater Los Angeles | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Madera CountyCentral Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marin CountyNorth Bay | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Mariposa CountyGold Country | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mendocino CountyNorth Coast | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Merced CountyCentral Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Modoc CountyFar North | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mono CountyEastern Sierra | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monterey CountyCentral Coast | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| Napa CountyWine Country | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| Nevada CountyLake Tahoe and the Sierra | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange CountySouthern California coast | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Placer CountySacramento area | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Plumas CountyLake Tahoe and the Sierra | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Riverside CountyPalm Springs and the Coachella Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sacramento CountySacramento area | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Benito CountyMonterey Bay | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Bernardino CountyInland Empire | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Diego CountySan Diego area | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| San Francisco CountyThe city of San Francisco | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Joaquin CountyCentral Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Luis Obispo CountyCentral Coast | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 |
| San Mateo CountySilicon Valley | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Barbara CountyCentral Coast | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
| Santa Clara CountySan Jose and Silicon Valley | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Cruz CountyMonterey Bay | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Shasta CountyFar North | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sierra CountyLake Tahoe and the Sierra | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Siskiyou CountyFar North | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Solano CountyNorth Bay | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sonoma CountyWine Country | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| Stanislaus CountyCentral Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sutter CountySacramento Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tehama CountySacramento Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Trinity CountyFar North | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tulare CountyCentral Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tuolumne CountyGold Country | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ventura CountyVentura County coast | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
| Yolo CountySacramento area | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuba CountySacramento Valley | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
2026 conforming loan limits, source: FHFA (read November 11, 2026). These are conforming limits only; FHA limits are set by HUD and can be lower. Limits change each January, and the 2027 figures are expected in late November 2026. These are published limits, not an offer of any loan amount.
Plain answers.
What is the 2026 conforming loan limit in California?
Which California counties have the $1,249,125 limit?
When will the 2027 limits be announced?
General education only. Each lender sets its own rules, and they change. Nothing here is a promise that a loan will be approved or of any terms. This is not tax, legal or investment advice: for those questions, ask your own CPA, attorney or business manager.
Close to the line?
A little more down can turn a jumbo loan into a conforming one. Sam can show you both ways.