What is the conforming loan limit in California?

Loan limits in California were increased again for 2026 to a baseline conforming loan limit of $832,750. In counties where the area median home price is higher than the baseline limit (e.g. Contra Costa, San Francisco, Los Angeles, Orange and San Diego Counties to name a few) the FHFA sets a "high-balance limit" which is higher than the nationwide baseline limit. The maximum conforming loan limit in higher cost counties is $1,249,125 for 2026. View a complete list of loan limits for counties in California below. 
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2026 CA Loan Limits by County

County NameOne-Unit
Limit
Two-Unit
Limit
Three-Unit
Limit
Four-Unit
Limit
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

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