California Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 56 counties in California. FHA limits in this state range from $541,287 to $811,931, while conforming limits range from $832,750 to $1,249,125.
2026 Loan Limits by County in California
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Alameda County | $811,931 | $1,249,125 | $1,090,100 |
| 2 | Amador County | $541,287 | $832,750 | $449,800 |
| 3 | Butte County | $541,287 | $832,750 | $424,700 |
| 4 | Calaveras County | $541,287 | $832,750 | $457,200 |
| 5 | Colusa County | $541,287 | $832,750 | $393,400 |
| 6 | Contra Costa County | $811,931 | $1,249,125 | $866,800 |
| 7 | Del Norte County | $541,287 | $832,750 | $342,000 |
| 8 | El Dorado County | $541,287 | $832,750 | $679,900 |
| 9 | Fresno County | $541,287 | $832,750 | $388,800 |
| 10 | Glenn County | $541,287 | $832,750 | $352,400 |
| 11 | Humboldt County | $541,287 | $832,750 | $446,900 |
| 12 | Imperial County | $541,287 | $832,750 | $309,600 |
| 13 | Inyo County | $541,287 | $832,750 | $348,700 |
| 14 | Kern County | $541,287 | $832,750 | $338,300 |
| 15 | Kings County | $541,287 | $832,750 | $324,300 |
| 16 | Lake County | $541,287 | $832,750 | $324,300 |
| 17 | Lassen County | $541,287 | $832,750 | $265,300 |
| 18 | Los Angeles County | $811,931 | $1,249,125 | $834,200 |
| 19 | Madera County | $541,287 | $832,750 | $393,200 |
| 20 | Marin County | $811,931 | $1,249,125 | $1,507,300 |
| 21 | Mariposa County | $541,287 | $832,750 | $387,900 |
| 22 | Mendocino County | $541,287 | $832,750 | $512,200 |
| 23 | Merced County | $541,287 | $832,750 | $391,800 |
| 24 | Modoc County | $541,287 | $832,750 | $224,700 |
| 25 | Mono County | $541,287 | $832,750 | $639,400 |
| 26 | Monterey County | $646,587 | $994,750 | $781,000 |
| 27 | Napa County | $661,537 | $1,017,750 | $869,500 |
| 28 | Nevada County | $541,287 | $832,750 | $621,800 |
| 29 | Orange County | $811,931 | $1,249,125 | $962,600 |
| 30 | Placer County | $541,287 | $832,750 | $688,100 |
| 31 | Plumas County | $541,287 | $832,750 | $360,200 |
| 32 | Riverside County | $541,287 | $832,750 | $557,300 |
| 33 | Sacramento County | $541,287 | $832,750 | $534,200 |
| 34 | San Benito County | $811,931 | $1,249,125 | $793,400 |
| 35 | San Bernardino County | $541,287 | $832,750 | $505,000 |
| 36 | San Diego County | $717,600 | $1,104,000 | $854,700 |
| 37 | San Francisco County | $811,931 | $1,249,125 | $1,394,500 |
| 38 | San Joaquin County | $541,287 | $832,750 | $530,700 |
| 39 | San Luis Obispo County | $650,325 | $1,000,500 | $824,700 |
| 40 | San Mateo County | $811,931 | $1,249,125 | $1,559,600 |
| 41 | Santa Barbara County | $612,202 | $941,850 | $790,700 |
| 42 | Santa Clara County | $811,931 | $1,249,125 | $1,490,600 |
| 43 | Santa Cruz County | $811,931 | $1,249,125 | $1,027,500 |
| 44 | Shasta County | $541,287 | $832,750 | $366,400 |
| 45 | Siskiyou County | $541,287 | $832,750 | $309,500 |
| 46 | Solano County | $541,287 | $832,750 | $617,700 |
| 47 | Sonoma County | $583,050 | $897,000 | $815,500 |
| 48 | Stanislaus County | $541,287 | $832,750 | $450,100 |
| 49 | Sutter County | $541,287 | $832,750 | $433,500 |
| 50 | Tehama County | $541,287 | $832,750 | $339,600 |
| 51 | Trinity County | $541,287 | $832,750 | $325,800 |
| 52 | Tulare County | $541,287 | $832,750 | $330,100 |
| 53 | Tuolumne County | $541,287 | $832,750 | $433,200 |
| 54 | Ventura County | $672,750 | $1,035,000 | $822,700 |
| 55 | Yolo County | $541,287 | $832,750 | $620,700 |
| 56 | Yuba County | $541,287 | $832,750 | $412,300 |
About California's Mortgage Market
California has 56 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in California range from $541,287 to $811,931 for a single-family home. Conforming limits range from $832,750 to $1,249,125.
Use our mortgage calculator to compute monthly payments using California-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in California?
The highest 2026 FHA limit in California is $811,931 for a single-family home.
What is the maximum conforming loan limit in California?
The highest 2026 conforming loan limit in California is $1,249,125 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in California?
California has 56 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.