California · 2026
California 2026 FHA and conforming loan limits
For a one-unit home in California, the 2026 conforming limit is $832,750 to $1,249,125 and the FHA limit is $541,287 to $1,249,125. FHA limits rose in 52 of 58 counties from 2025.
| County | Conforming 1 unit | Conforming 2 units | FHA 1 unit | FHA 2 units | FHA 3 units | FHA 4 units | FHA vs 2025 |
|---|---|---|---|---|---|---|---|
| Alameda County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Alpine County | $832,750 | $1,066,250 | $736,000 | $942,200 | $1,138,900 | $1,415,400 | +$211,775 |
| Amador County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Butte County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Calaveras County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Colusa County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Contra Costa County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Del Norte County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| El Dorado County | $832,750 | $1,066,250 | $764,750 | $979,000 | $1,183,400 | $1,470,700 | +$1,150 |
| Fresno County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Glenn County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Humboldt County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Imperial County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Inyo County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Kern County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Kings County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Lake County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Lassen County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Los Angeles County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Madera County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Marin County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Mariposa County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Mendocino County | $832,750 | $1,066,250 | $546,250 | $699,300 | $845,300 | $1,050,500 | — |
| Merced County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Modoc County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Mono County | $832,750 | $1,066,250 | $776,250 | $993,750 | $1,201,200 | $1,492,800 | — |
| Monterey County | $994,750 | $1,273,450 | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 | +$24,150 |
| Napa County | $1,017,750 | $1,302,900 | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 | — |
| Nevada County | $832,750 | $1,066,250 | $649,750 | $831,800 | $1,005,450 | $1,249,550 | +$5,750 |
| Orange County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Placer County | $832,750 | $1,066,250 | $764,750 | $979,000 | $1,183,400 | $1,470,700 | +$1,150 |
| Plumas County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Riverside County | $832,750 | $1,066,250 | $690,000 | $883,300 | $1,067,750 | $1,326,950 | +$17,250 |
| Sacramento County | $832,750 | $1,066,250 | $764,750 | $979,000 | $1,183,400 | $1,470,700 | +$1,150 |
| San Benito County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| San Bernardino County | $832,750 | $1,066,250 | $690,000 | $883,300 | $1,067,750 | $1,326,950 | +$17,250 |
| San Diego County | $1,104,000 | $1,413,350 | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 | +$26,450 |
| San Francisco County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| San Joaquin County | $832,750 | $1,066,250 | $678,500 | $868,600 | $1,049,950 | $1,304,850 | — |
| San Luis Obispo County | $1,000,500 | $1,280,850 | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 | +$33,350 |
| San Mateo County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Santa Barbara County | $941,850 | $1,205,750 | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 | +$28,750 |
| Santa Clara County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Santa Cruz County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Shasta County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Sierra County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Siskiyou County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Solano County | $832,750 | $1,066,250 | $685,400 | $877,450 | $1,060,600 | $1,318,100 | — |
| Sonoma County | $897,000 | $1,148,350 | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 | — |
| Stanislaus County | $832,750 | $1,066,250 | $545,100 | $697,800 | $843,500 | $1,048,300 | +$9,200 |
| Sutter County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Tehama County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Trinity County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Tulare County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Tuolumne County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Ventura County | $1,035,000 | $1,325,000 | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 | +$17,250 |
| Yolo County | $832,750 | $1,066,250 | $764,750 | $979,000 | $1,183,400 | $1,470,700 | +$1,150 |
| Yuba County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
Conforming limits: FHFA (2026). FHA forward-mortgage limits: HUD (2026 case numbers). Each county page adds 2025 mortgage activity.
Counts: 58 counties and county-equivalents.