2026 conforming loan limits · California
California has 9 distinct one-unit conforming limits, from $832,750 to $1,249,125. 17 of 58 counties sit above the $832,750 baseline that applies here.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
California at a glance
| Metric | Value |
|---|---|
| Counties | 58 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $1,249,125 |
| Distinct one-unit limits | 9 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 17 of 58 (29.3%) |
| At the applicable ceiling | 10 |
| Dataset year | CY2026 |
How California splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 41 | 70.7% | $832,750 | $832,750 |
| Above baseline, below ceiling | 7 | 12.1% | $897,000 | $1,104,000 |
| At the ceiling | 10 | 17.2% | $1,249,125 | $1,249,125 |
Highest limits in California: Alameda County ($1,249,125), Contra Costa County ($1,249,125), Los Angeles County ($1,249,125), Marin County ($1,249,125), Orange County ($1,249,125).
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Alameda County | SAN FRANCISCO-OAKLAND-FREMONT, CA | $1,249,125 | $1,249,125 | $0 |
| Alpine County | GARDNERVILLE RANCHOS, NV-CA | $832,750 | $736,000 | $96,750 |
| Amador County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Butte County | CHICO, CA | $832,750 | $541,287 | $291,463 |
| Calaveras County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Colusa County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Contra Costa County | SAN FRANCISCO-OAKLAND-FREMONT, CA | $1,249,125 | $1,249,125 | $0 |
| Del Norte County | CRESCENT CITY, CA | $832,750 | $541,287 | $291,463 |
| El Dorado County | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $832,750 | $764,750 | $68,000 |
| Fresno County | FRESNO, CA | $832,750 | $541,287 | $291,463 |
| Glenn County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Humboldt County | EUREKA-ARCATA, CA | $832,750 | $541,287 | $291,463 |
| Imperial County | EL CENTRO, CA | $832,750 | $541,287 | $291,463 |
| Inyo County | BISHOP, CA | $832,750 | $541,287 | $291,463 |
| Kern County | BAKERSFIELD-DELANO, CA | $832,750 | $541,287 | $291,463 |
| Kings County | HANFORD-CORCORAN, CA | $832,750 | $541,287 | $291,463 |
| Lake County | CLEARLAKE, CA | $832,750 | $541,287 | $291,463 |
| Lassen County | SUSANVILLE, CA | $832,750 | $541,287 | $291,463 |
| Los Angeles County | LOS ANGELES-LONG BEACH-ANAHEIM, CA | $1,249,125 | $1,249,125 | $0 |
| Madera County | FRESNO, CA | $832,750 | $541,287 | $291,463 |
| Marin County | SAN FRANCISCO-OAKLAND-FREMONT, CA | $1,249,125 | $1,249,125 | $0 |
| Mariposa County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mendocino County | UKIAH, CA | $832,750 | $546,250 | $286,500 |
| Merced County | MERCED, CA | $832,750 | $541,287 | $291,463 |
| Modoc County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mono County | Rural / Non-metro | $832,750 | $776,250 | $56,500 |
| Monterey County | SALINAS, CA | $994,750 | $994,750 | $0 |
| Napa County | NAPA, CA | $1,017,750 | $1,017,750 | $0 |
| Nevada County | TRUCKEE-GRASS VALLEY, CA | $832,750 | $649,750 | $183,000 |
| Orange County | LOS ANGELES-LONG BEACH-ANAHEIM, CA | $1,249,125 | $1,249,125 | $0 |
| Placer County | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $832,750 | $764,750 | $68,000 |
| Plumas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Riverside County | RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | $832,750 | $690,000 | $142,750 |
| Sacramento County | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $832,750 | $764,750 | $68,000 |
| San Benito County | SAN JOSE-SUNNYVALE-SANTA CLARA, CA | $1,249,125 | $1,249,125 | $0 |
| San Bernardino County | RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | $832,750 | $690,000 | $142,750 |
| San Diego County | SAN DIEGO-CHULA VISTA-CARLSBAD, CA | $1,104,000 | $1,104,000 | $0 |
| San Francisco County | SAN FRANCISCO-OAKLAND-FREMONT, CA | $1,249,125 | $1,249,125 | $0 |
| San Joaquin County | STOCKTON-LODI, CA | $832,750 | $678,500 | $154,250 |
| San Luis Obispo County | SAN LUIS OBISPO-PASO ROBLES, CA | $1,000,500 | $1,000,500 | $0 |
| San Mateo County | SAN FRANCISCO-OAKLAND-FREMONT, CA | $1,249,125 | $1,249,125 | $0 |
| Santa Barbara County | SANTA MARIA-SANTA BARBARA, CA | $941,850 | $941,850 | $0 |
| Santa Clara County | SAN JOSE-SUNNYVALE-SANTA CLARA, CA | $1,249,125 | $1,249,125 | $0 |
| Santa Cruz County | SANTA CRUZ-WATSONVILLE, CA | $1,249,125 | $1,249,125 | $0 |
| Shasta County | REDDING, CA | $832,750 | $541,287 | $291,463 |
| Sierra County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Siskiyou County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Solano County | VALLEJO, CA | $832,750 | $685,400 | $147,350 |
| Sonoma County | SANTA ROSA-PETALUMA, CA | $897,000 | $897,000 | $0 |
| Stanislaus County | MODESTO, CA | $832,750 | $545,100 | $287,650 |
| Sutter County | YUBA CITY, CA | $832,750 | $541,287 | $291,463 |
| Tehama County | RED BLUFF, CA | $832,750 | $541,287 | $291,463 |
| Trinity County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Tulare County | VISALIA, CA | $832,750 | $541,287 | $291,463 |
| Tuolumne County | SONORA, CA | $832,750 | $541,287 | $291,463 |
| Ventura County | OXNARD-THOUSAND OAKS-VENTURA, CA | $1,035,000 | $1,035,000 | $0 |
| Yolo County | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $832,750 | $764,750 | $68,000 |
| Yuba County | YUBA CITY, CA | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Alameda County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Alpine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Amador County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calaveras County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Colusa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Contra Costa County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Del Norte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| El Dorado County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fresno County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glenn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Humboldt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Imperial County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Inyo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kern County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kings County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lassen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Los Angeles County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Madera County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marin County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Mariposa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mendocino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Merced County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Modoc County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mono County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monterey County | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| Napa County | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| Nevada County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Placer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Plumas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Riverside County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sacramento County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Benito County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Bernardino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Diego County | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| San Francisco County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Joaquin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Luis Obispo County | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 |
| San Mateo County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Barbara County | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
| Santa Clara County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Cruz County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Shasta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sierra County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Siskiyou County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Solano County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sonoma County | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| Stanislaus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sutter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tehama County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Trinity County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tulare County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tuolumne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ventura County | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
| Yolo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuba County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)