2026 conforming loan limits
2026 conforming loan limits in California
California has 58 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for California is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $1,249,125.
Baseline
41
Special statutory baseline
0
High-cost area
17
Every county/equivalent in California
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Alameda County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Alpine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Amador County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Calaveras County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Colusa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Contra Costa County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Del Norte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| El Dorado County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fresno County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Glenn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Humboldt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Imperial County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Inyo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kern County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kings County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lassen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Los Angeles County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Madera County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marin County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Mariposa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mendocino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Merced County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Modoc County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mono County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Monterey County | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 | High-cost area |
| Napa County | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 | High-cost area |
| Nevada County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Orange County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Placer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Plumas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Riverside County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sacramento County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| San Benito County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| San Bernardino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| San Diego County | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 | High-cost area |
| San Francisco County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| San Joaquin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| San Luis Obispo County | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 | High-cost area |
| San Mateo County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Santa Barbara County | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 | High-cost area |
| Santa Clara County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Santa Cruz County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Shasta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sierra County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Siskiyou County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Solano County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sonoma County | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 | High-cost area |
| Stanislaus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sutter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tehama County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Trinity County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tulare County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tuolumne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ventura County | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 | High-cost area |
| Yolo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Yuba County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to California (CA).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for California: 58. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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