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San Diego jumbo loans and 2026 loan limits.

In San Diego County the 2026 conforming loan limit for a one-unit home is $1,104,000. A loan above that is a jumbo loan.

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San Diego County · 2026 limit, source: FHFA$1,104,000Conforming loan limit for a one-unit home. A loan above it is a jumbo loan.

National baseline · 2026, source: FHFA$832,750A loan above this and up to the county limit is a high-balance conforming loan.

FHA limit · 2026, source: HUD$1,104,000For a one-family home. In this county it is the same figure as the conforming limit.

One-unit homes. Source: FHFA’s 2026 county loan limit file, read November 10, 2026. Per HUD, the 2026 FHA limit for a one-family home is the same figure in San Diego County (read November 6, 2026). 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.

What’s different here

A lower limit than its neighbors to the north.

Ask Sam about a home here

San Diego County is its own metropolitan area, so its limit is set from local home values alone. For 2026 that comes to $1,104,000: above the national baseline of $832,750, but below the $1,249,125 that applies in Los Angeles and Orange counties.

That gap matters. A loan amount that is still conforming in Orange County can be a jumbo loan a short drive south. If you are comparing homes in both counties, check each loan amount against that county’s limit, not just the price.

San Diego County is also home to large Navy and Marine Corps bases, so VA loans come up more often here than in most of California. VA loans follow the Department of Veterans Affairs’ own rules on entitlement, which are separate from the county limit.

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Contract and seasonal income is the usual question here. VA loans are covered on the loans page.

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VA loans, in plain words

Who VA loans are for, alongside the other loan types.

VA loans explained

Common questions

Plain answers.

What is the 2026 conforming loan limit in San Diego County?

The 2026 conforming loan limit in San Diego County is $1,104,000 for a one-unit home. It is set by the Federal Housing Finance Agency (FHFA). The FHA limit for a one-family home in the county is the same figure, per HUD. Homes with two to four units have higher limits.

Why is San Diego’s limit lower than Los Angeles’?

San Diego’s limit is lower because FHFA sets each area’s limit from local home values. In high-cost areas the limit is 115 percent of the area’s median home value, up to a national ceiling (FHFA’s announcement of the 2026 limits). The Los Angeles area reaches the ceiling of $1,249,125, and San Diego County’s figure comes out below it, at $1,104,000.

Can VA loans go above the county limit?

Yes, a VA loan can go above the county limit. The Department of Veterans Affairs says eligible borrowers with full entitlement have no VA loan limit, although the lender must still approve the amount based on income, credit and the home’s value. Borrowers with reduced entitlement may still be subject to the county limit. The VA explains entitlement and loan limits on its own site, va.gov.

When does a loan become jumbo there?

A loan becomes jumbo in San Diego County when the loan amount is above $1,104,000 on a one-unit home. A loan above $832,750 and up to $1,104,000 is high-balance conforming, not jumbo. It is the loan amount that counts, not the home’s price, so more money down can keep a loan under the limit.

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.

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