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2026 California loan limits by county
California has 58 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,249,125 in Santa Cruz County; the state median is $832,750. 17 of 58 are above the $832,750 national baseline. 28 sit at the 2026 FHA floor of $541,287.
- 58Counties listed
- $1,249,125Highest 1-unit conformingSanta Cruz County
- $832,750Median 1-unit conforming
- 28At FHA floorof 58
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Alameda County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Alpine County | $832,750 | +$26,250 (+3.3%) | $736,000 | $1,601,750 |
| Amador County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Butte County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Calaveras County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Colusa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Contra Costa County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Del Norte County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| El Dorado County | $832,750 | +$26,250 (+3.3%) | $764,750 | $1,601,750 |
| Fresno County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Glenn County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Humboldt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Imperial County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Inyo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kern County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kings County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lassen County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Los Angeles County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Madera County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marin County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Mariposa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mendocino County | $832,750 | +$26,250 (+3.3%) | $546,250 | $1,601,750 |
| Merced County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Modoc County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mono County | $832,750 | +$26,250 (+3.3%) | $776,250 | $1,601,750 |
| Monterey County | $994,750 | +$24,150 (+2.5%) | $994,750 | $1,913,000 |
| Napa County | $1,017,750 | no change | $1,017,750 | $1,957,250 |
| Nevada County | $832,750 | +$26,250 (+3.3%) | $649,750 | $1,601,750 |
| Orange County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Placer County | $832,750 | +$26,250 (+3.3%) | $764,750 | $1,601,750 |
| Plumas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Riverside County | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Sacramento County | $832,750 | +$26,250 (+3.3%) | $764,750 | $1,601,750 |
| San Benito County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| San Bernardino County | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| San Diego County | $1,104,000 | +$26,450 (+2.5%) | $1,104,000 | $2,123,100 |
| San Francisco County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| San Joaquin County | $832,750 | +$26,250 (+3.3%) | $678,500 | $1,601,750 |
| San Luis Obispo County | $1,000,500 | +$33,350 (+3.4%) | $1,000,500 | $1,924,100 |
| San Mateo County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Santa Barbara County | $941,850 | +$28,750 (+3.1%) | $941,850 | $1,811,300 |
| Santa Clara County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Santa Cruz County | $1,249,125 | +$70,375 (+6.0%) | $1,249,125 | $2,402,625 |
| Shasta County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sierra County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Siskiyou County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Solano County | $832,750 | +$26,250 (+3.3%) | $685,400 | $1,601,750 |
| Sonoma County | $897,000 | no change | $897,000 | $1,725,050 |
| Stanislaus County | $832,750 | +$26,250 (+3.3%) | $545,100 | $1,601,750 |
| Sutter County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tehama County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Trinity County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tulare County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tuolumne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ventura County | $1,035,000 | +$17,250 (+1.7%) | $1,035,000 | $1,990,450 |
| Yolo County | $832,750 | +$26,250 (+3.3%) | $764,750 | $1,601,750 |
| Yuba County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.