2026 loan limits in California
17 of California’s 58 counties are high-cost areas with conforming limits above the $832,750 baseline. The rest use the national limits.
One-unit limits by county
| County | Conforming | FHA |
|---|---|---|
| Alameda County | $1,249,125 | $1,249,125 |
| Alpine County | $832,750 | $736,000 |
| Amador County | $832,750 | $541,287 |
| Butte County | $832,750 | $541,287 |
| Calaveras County | $832,750 | $541,287 |
| Colusa County | $832,750 | $541,287 |
| Contra Costa County | $1,249,125 | $1,249,125 |
| Del Norte County | $832,750 | $541,287 |
| El Dorado County | $832,750 | $764,750 |
| Fresno County | $832,750 | $541,287 |
| Glenn County | $832,750 | $541,287 |
| Humboldt County | $832,750 | $541,287 |
| Imperial County | $832,750 | $541,287 |
| Inyo County | $832,750 | $541,287 |
| Kern County | $832,750 | $541,287 |
| Kings County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lassen County | $832,750 | $541,287 |
| Los Angeles County | $1,249,125 | $1,249,125 |
| Madera County | $832,750 | $541,287 |
| Marin County | $1,249,125 | $1,249,125 |
| Mariposa County | $832,750 | $541,287 |
| Mendocino County | $832,750 | $546,250 |
| Merced County | $832,750 | $541,287 |
| Modoc County | $832,750 | $541,287 |
| Mono County | $832,750 | $776,250 |
| Monterey County | $994,750 | $994,750 |
| Napa County | $1,017,750 | $1,017,750 |
| Nevada County | $832,750 | $649,750 |
| Orange County | $1,249,125 | $1,249,125 |
| Placer County | $832,750 | $764,750 |
| Plumas County | $832,750 | $541,287 |
| Riverside County | $832,750 | $690,000 |
| Sacramento County | $832,750 | $764,750 |
| San Benito County | $1,249,125 | $1,249,125 |
| San Bernardino County | $832,750 | $690,000 |
| San Diego County | $1,104,000 | $1,104,000 |
| San Francisco County | $1,249,125 | $1,249,125 |
| San Joaquin County | $832,750 | $678,500 |
| San Luis Obispo County | $1,000,500 | $1,000,500 |
| San Mateo County | $1,249,125 | $1,249,125 |
| Santa Barbara County | $941,850 | $941,850 |
| Santa Clara County | $1,249,125 | $1,249,125 |
| Santa Cruz County | $1,249,125 | $1,249,125 |
| Shasta County | $832,750 | $541,287 |
| Sierra County | $832,750 | $541,287 |
| Siskiyou County | $832,750 | $541,287 |
| Solano County | $832,750 | $685,400 |
| Sonoma County | $897,000 | $897,000 |
| Stanislaus County | $832,750 | $545,100 |
| Sutter County | $832,750 | $541,287 |
| Tehama County | $832,750 | $541,287 |
| Trinity County | $832,750 | $541,287 |
| Tulare County | $832,750 | $541,287 |
| Tuolumne County | $832,750 | $541,287 |
| Ventura County | $1,035,000 | $1,035,000 |
| Yolo County | $832,750 | $764,750 |
| Yuba County | $832,750 | $541,287 |
More for California
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.