2026 loan limits in San Luis Obispo County, California
In San Luis Obispo County, a conventional loan up to $1,000,500 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,000,500.
Conforming limit (1 unit)$1,000,500High-cost county
FHA limit (1 unit)$1,000,500High-cost county
Highest price, 20% down, conforming$1,250,625Loan at the limit
Highest price, 3.5% down, FHA$1,036,788Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,000,500 | $1,000,500 |
| 2 units | $1,280,850 | $1,280,850 |
| 3 units | $1,548,250 | $1,548,250 |
| 4 units | $1,924,100 | $1,924,100 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,250,625 in San Luis Obispo County and stay conforming; with 10% down, about $1,111,667. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $1,036,788.
Questions
What is the 2026 conforming loan limit in San Luis Obispo County?
$1,000,500 for a one-unit home.
What is the 2026 FHA loan limit in San Luis Obispo County?
$1,000,500 for a one-unit home.
More for San Luis Obispo County
San Luis Obispo County property taxesFHA loan limits toolCalifornia closing costsArroyo Grande 93420 market dataAtascadero 93422 market dataAvila Beach 93424 market dataCambria 93428 market dataCayucos 93430 market dataCreston 93432 market dataGrover Beach 93433 market dataLos Osos 93402 market dataMorro Bay 93442 market dataNipomo 93444 market data
2026 limits from HUD’s county files (San Luis Obispo-Paso Robles, Ca). Conforming limits are set by the Federal Housing Finance Agency.