Stewardship Capital
The conforming and FHA loan limits for all 58 counties in California, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Highest in California
$1,249,125
Alameda County
FHA range
$541,287 – $1,249,125
One unit, by county
17 of California's 58 counties are designated high-cost, which means the conforming limit there is above the national baseline. The highest in the state is Alameda County at $1,249,125 for a one-unit home.
| County | Conforming | FHA |
|---|---|---|
| Alameda County | $1,249,125 | $1,249,125 |
| Alpine County | $832,750 | $736,000 |
| Amador County | $832,750 | $541,287 |
| Butte County | $832,750 | $541,287 |
| Calaveras County | $832,750 | $541,287 |
| Colusa County | $832,750 | $541,287 |
| Contra Costa County | $1,249,125 | $1,249,125 |
| Del Norte County | $832,750 | $541,287 |
| El Dorado County | $832,750 | $764,750 |
| Fresno County | $832,750 | $541,287 |
| Glenn County | $832,750 | $541,287 |
| Humboldt County | $832,750 | $541,287 |
| Imperial County | $832,750 | $541,287 |
| Inyo County | $832,750 | $541,287 |
| Kern County | $832,750 | $541,287 |
| Kings County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lassen County | $832,750 | $541,287 |
| Los Angeles County | $1,249,125 | $1,249,125 |
| Madera County | $832,750 | $541,287 |
| Marin County | $1,249,125 | $1,249,125 |
| Mariposa County | $832,750 | $541,287 |
| Mendocino County | $832,750 | $546,250 |
| Merced County | $832,750 | $541,287 |
| Modoc County | $832,750 | $541,287 |
| Mono County | $832,750 | $776,250 |
| Monterey County | $994,750 | $994,750 |
| Napa County | $1,017,750 | $1,017,750 |
| Nevada County | $832,750 | $649,750 |
| Orange County | $1,249,125 | $1,249,125 |
| Placer County | $832,750 | $764,750 |
| Plumas County | $832,750 | $541,287 |
| Riverside County | $832,750 | $690,000 |
| Sacramento County | $832,750 | $764,750 |
| San Benito County | $1,249,125 | $1,249,125 |
| San Bernardino County | $832,750 | $690,000 |
| San Diego County | $1,104,000 | $1,104,000 |
| San Francisco County | $1,249,125 | $1,249,125 |
| San Joaquin County | $832,750 | $678,500 |
| San Luis Obispo County | $1,000,500 | $1,000,500 |
| San Mateo County | $1,249,125 | $1,249,125 |
| Santa Barbara County | $941,850 | $941,850 |
| Santa Clara County | $1,249,125 | $1,249,125 |
| Santa Cruz County | $1,249,125 | $1,249,125 |
| Shasta County | $832,750 | $541,287 |
| Sierra County | $832,750 | $541,287 |
| Siskiyou County | $832,750 | $541,287 |
| Solano County | $832,750 | $685,400 |
| Sonoma County | $897,000 | $897,000 |
| Stanislaus County | $832,750 | $545,100 |
| Sutter County | $832,750 | $541,287 |
| Tehama County | $832,750 | $541,287 |
| Trinity County | $832,750 | $541,287 |
| Tulare County | $832,750 | $541,287 |
| Tuolumne County | $832,750 | $541,287 |
| Ventura County | $1,035,000 | $1,035,000 |
| Yolo County | $832,750 | $764,750 |
| Yuba County | $832,750 | $541,287 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in California. Talk it through with Stephen.
The baseline conforming loan limit in California for 2026 is $832,750 for a one-unit home. In California's 17 high-cost counties it is higher, up to $1,249,125 in Alameda County.
FHA loan limits in California range from $541,287 to $1,249,125 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
