California does not have one statewide conforming limit. Many inland counties use the national baseline, while several coastal and Bay Area counties reach the high-cost ceiling. Always check the county attached to the property, not the city or mailing address.
17 of 58 California counties have a one-unit limit above the $832,750 baseline: Alameda County ($1,249,125), Contra Costa County ($1,249,125), Los Angeles County ($1,249,125), Marin County ($1,249,125), Monterey County ($994,750), Napa County ($1,017,750), Orange County ($1,249,125), San Benito County ($1,249,125), San Diego County ($1,104,000), San Francisco County ($1,249,125), San Luis Obispo County ($1,000,500), San Mateo County ($1,249,125), Santa Barbara County ($941,850), Santa Clara County ($1,249,125), Santa Cruz County ($1,249,125), Sonoma County ($897,000), Ventura County ($1,035,000).
Showing 58 of 58 counties
| County | CBSA | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
|---|---|---|---|---|---|
| Alameda County High-cost | 41860 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Alpine County | 23820 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Amador County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butte County | 17020 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calaveras County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Colusa County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Contra Costa County High-cost | 41860 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Del Norte County | 18860 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| El Dorado County | 40900 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fresno County | 23420 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glenn County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Humboldt County | 21700 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Imperial County | 20940 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Inyo County | 13860 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kern County | 12540 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kings County | 25260 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | 17340 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lassen County | 45000 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Los Angeles County High-cost | 31080 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Madera County | 23420 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marin County High-cost | 41860 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Mariposa County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mendocino County | 46380 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Merced County | 32900 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Modoc County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mono County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monterey County High-cost | 41500 | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| Napa County High-cost | 34900 | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| Nevada County | 46020 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange County High-cost | 31080 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Placer County | 40900 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Plumas County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Riverside County | 40140 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sacramento County | 40900 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Benito County High-cost | 41940 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Bernardino County | 40140 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Diego County High-cost | 41740 | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| San Francisco County High-cost | 41860 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Joaquin County | 44700 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Luis Obispo County High-cost | 42020 | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 |
| San Mateo County High-cost | 41860 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Barbara County High-cost | 42200 | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
| Santa Clara County High-cost | 41940 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Cruz County High-cost | 42100 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Shasta County | 39820 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sierra County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Siskiyou County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Solano County | 46700 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sonoma County High-cost | 42220 | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| Stanislaus County | 33700 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sutter County | 49700 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tehama County | 39780 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Trinity County | 99999 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tulare County | 47300 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tuolumne County | 43760 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ventura County High-cost | 37100 | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
| Yolo County | 40900 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuba County | 49700 | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Loan limits are only one part of the picture. Review current rates and compare conforming, high-balance, and jumbo options for your scenario.
Source: Federal Housing Finance Agency, county-level conforming loan limit values for 2026 (HERA-based), retrieved from fhfa.gov on August 21, 2026. Limits apply to mortgages acquired in calendar year 2026 and can be superseded by official agency guidance.
This page is for general educational purposes only and is not financial, legal, tax, or credit advice, a commitment to lend, or a guarantee of approval or terms. Loan availability and qualification depend on the borrower, property, program, and applicable underwriting requirements. Empire of America is an Equal Housing Opportunity lender.