California conforming loan limits 2026
California has 58 counties. 17 of them sit on a figure above the $832,750 baseline, spread over 8 distinct figures; the highest in the state is $1,249,125.
17 of its 58 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 56 of its 58 counties and 2 stayed the same.
California ranks 28th of 56 jurisdictions by county count, and 2nd by highest limit. Of its counties, 47 sit inside a metropolitan or micropolitan area, across 35 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
Figures used in California
- $1,249,125 — 10 counties in California (75 counties in all)
- $1,104,000 — 1 county in California
- $1,035,000 — 1 county in California
- $1,017,750 — 1 county in California
- $1,000,500 — 1 county in California
- $994,750 — 1 county in California (2 counties in all)
- $941,850 — 1 county in California
- $897,000 — 1 county in California
All counties in California
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Alameda County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Alpine County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Amador County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Butte County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Calaveras County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Colusa County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Contra Costa County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Del Norte County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| El Dorado County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fresno County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Glenn County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Humboldt County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Imperial County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Inyo County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kern County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kings County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lassen County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Los Angeles County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Madera County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marin County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Mariposa County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mendocino County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Merced County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Modoc County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mono County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Monterey County | $994,750 | $970,600 | $920,000 | +2.5% | 2 in all |
| Napa County | $1,017,750 | $1,017,750 | $1,017,750 | +0.0% | none |
| Nevada County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Orange County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Placer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Plumas County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Riverside County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sacramento County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| San Benito County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| San Bernardino County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| San Diego County | $1,104,000 | $1,077,550 | $1,006,250 | +2.5% | none |
| San Francisco County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| San Joaquin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| San Luis Obispo County | $1,000,500 | $967,150 | $929,200 | +3.4% | none |
| San Mateo County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Santa Barbara County | $941,850 | $913,100 | $838,350 | +3.1% | none |
| Santa Clara County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Santa Cruz County | $1,249,125 | $1,178,750 | $1,149,825 | +6.0% | 75 in all |
| Shasta County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sierra County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Siskiyou County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Solano County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sonoma County | $897,000 | $897,000 | $877,450 | +0.0% | none |
| Stanislaus County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sutter County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Tehama County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Trinity County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Tulare County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Tuolumne County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ventura County | $1,035,000 | $1,017,750 | $954,500 | +1.7% | none |
| Yolo County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Yuba County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of California use the baseline conforming loan limit?
No. 17 of 58 counties are above the $832,750 baseline, and the state's highest limit is $1,249,125.
What counts as a jumbo loan in California?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.