California Conforming Loan Limits by County, 2018

Update: California conforming loan limits have been increased for 2018. Federal housing officials announced this change on November 28, 2017. The table below has been fully updated to include the revised (increased) limits for all counties. You can also download the California conforming loan limits in this PDF document.

Most counties within California have a 2018 conforming loan limit of $463,450, for a single-family home. Higher-priced areas, like those in the San Francisco Bay Area, have conventional limits of up to $679,650 to reflect the higher home values. Other counties fall somewhere in between these “floor” and “ceiling” amounts. See the table below for 2018 conforming loan limits in all California counties.

2018 Conforming Loan Limits for All California Counties

The table below contains the 2018 conforming limits for all 58 counties in California, listed in alphabetical order. In this context, “1 unit” refers to a single-family home, “2 unit” refers to a duplex-style home with two separate residents, etc.

County 1 Unit 2 Unit 3 Unit 4 Unit
ALAMEDA $679,650 $870,225 $1,051,875 $1,307,175
ALPINE $463,450 $593,300 $717,150 $891,250
AMADOR $453,100 $580,150 $701,250 $871,450
BUTTE $453,100 $580,150 $701,250 $871,450
CALAVERAS $453,100 $580,150 $701,250 $871,450
COLUSA $453,100 $580,150 $701,250 $871,450
CONTRA COSTA $679,650 $870,225 $1,051,875 $1,307,175
DEL NORTE $453,100 $580,150 $701,250 $871,450
EL DORADO $517,500 $662,500 $800,800 $995,200
FRESNO $453,100 $580,150 $701,250 $871,450
GLENN $453,100 $580,150 $701,250 $871,450
HUMBOLDT $453,100 $580,150 $701,250 $871,450
IMPERIAL $453,100 $580,150 $701,250 $871,450
INYO $453,100 $580,150 $701,250 $871,450
KERN $453,100 $580,150 $701,250 $871,450
KINGS $453,100 $580,150 $701,250 $871,450
LAKE $453,100 $580,150 $701,250 $871,450
LASSEN $453,100 $580,150 $701,250 $871,450
LOS ANGELES $679,650 $870,225 $1,051,875 $1,307,175
MADERA $453,100 $580,150 $701,250 $871,450
MARIN $679,650 $870,225 $1,051,875 $1,307,175
MARIPOSA $453,100 $580,150 $701,250 $871,450
MENDOCINO $453,100 $580,150 $701,250 $871,450
MERCED $453,100 $580,150 $701,250 $871,450
MODOC $453,100 $580,150 $701,250 $871,450
MONO $529,000 $677,200 $818,600 $1,017,300
MONTEREY $615,250 $787,650 $952,050 $1,183,200
NAPA $679,650 $870,225 $1,051,875 $1,307,175
NEVADA $477,250 $610,950 $738,500 $917,800
ORANGE $679,650 $870,225 $1,051,875 $1,307,175
PLACER $517,500 $662,500 $800,800 $995,200
PLUMAS $453,100 $580,150 $701,250 $871,450
RIVERSIDE $453,100 $580,150 $701,250 $871,450
SACRAMENTO $517,500 $662,500 $800,800 $995,200
SAN BENITO $679,650 $870,225 $1,051,875 $1,307,175
SAN BERNARDINO $453,100 $580,150 $701,250 $871,450
SAN DIEGO $649,750 $831,800 $1,005,450 $1,249,550
SAN FRANCISCO $679,650 $870,225 $1,051,875 $1,307,175
SAN JOAQUIN $453,100 $580,150 $701,250 $871,450
SAN LUIS OBISPO $615,250 $787,650 $952,050 $1,183,200
SAN MATEO $679,650 $870,225 $1,051,875 $1,307,175
SANTA BARBARA $625,500 $800,775 $967,950 $1,202,925
SANTA CLARA $679,650 $870,225 $1,051,875 $1,307,175
SANTA CRUZ $679,650 $870,225 $1,051,875 $1,307,175
SHASTA $453,100 $580,150 $701,250 $871,450
SIERRA $453,100 $580,150 $701,250 $871,450
SISKIYOU $453,100 $580,150 $701,250 $871,450
SOLANO $460,000 $588,850 $711,800 $884,600
SONOMA $648,600 $830,300 $1,003,650 $1,247,300
STANISLAUS $453,100 $580,150 $701,250 $871,450
SUTTER $453,100 $580,150 $701,250 $871,450
TEHAMA $453,100 $580,150 $701,250 $871,450
TRINITY $453,100 $580,150 $701,250 $871,450
TULARE $453,100 $580,150 $701,250 $871,450
TUOLUMNE $453,100 $580,150 $701,250 $871,450
VENTURA $672,750 $861,250 $1,041,050 $1,293,750
YOLO $517,500 $662,500 $800,800 $995,200
YUBA $453,100 $580,150 $701,250 $871,450

For additional information and housing market commentary, continue reading below.

Terminology Guide for Borrowers

Not sure what these terms mean? Here’s a mini glossary of loan limit terminology:

Conforming: A California “conforming” home loan is one that falls within the maximum size limits used by Fannie Mae and Freddie Mac. These caps are established by the Federal Housing Finance Agency (FHFA). In short, if a California home loan falls within these conforming limits, it can be sold to Freddie and Fannie via the secondary mortgage market. Anything larger is considered a jumbo loan and cannot be sold into the secondary market. These limits vary by county, as shown in the table above.

Conventional: The term “conventional” is used to describe mortgage products that are not insured by the government. This distinguishes them from FHA and VA loans, which are insured or guaranteed by the federal government. California conventional home loans are originated (and sometimes insured) within the private sector, with no government backing.

Loan limit: This is the maximum borrowing amount within a certain mortgage loan category. For instance, the maximum amount for a conforming single-family home loan in San Diego County is $649,750. There are caps for other products as well, including FHA and VA mortgage programs. They also vary by county and are based on median home prices.

Rising Prices Bring Higher Limits in 2018

At the end of 2017, federal housing officials increased the conforming loan limits for California, in response to rising home prices across the state (and elsewhere in the U.S.).

In a November 28 press release, the Federal Housing Finance Agency stated:

“The Federal Housing Finance Agency (FHFA) today announced the maximum conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac in 2018. In most of the U.S., the 2018 maximum conforming loan limit for one-unit properties will be $453,100, an increase from $424,100 in 2017 … The new ceiling loan limit for one-unit properties in most high-cost areas will be $679,650.”

Disclaimers: This page includes California loan limits by county. It is based on information provided by official sources, including the Federal Housing Finance Agency (FHFA). The FHFA determines the maximum amount for loans that can be purchased by Fannie Mae and Freddie Mac. While we make every effort to ensure the accuracy of our website content, there is always a chance for human error. For the most current and accurate information available, please refer to www.FHFA.gov.