California Conforming Loan Limits by County, 2019

Update: California conforming loan limits have been increased for 2019. Federal housing officials announced this change on November 27, 2018. The table below has been fully updated to include the revised (increased) limits for all counties.

Most counties within California have a 2019 conforming loan limit of $484,350, for a single-family home. Higher-priced areas, like those in the San Francisco Bay Area, have conventional limits of up to $726,525 due to higher home values. Other counties fall somewhere in between these “floor” and “ceiling” amounts. See the table below for 2019 conforming loan limits in all California counties.

2019 Conforming Loan Limits for All California Counties

The table below contains the 2019 conforming limits for all 58 counties in California, listed in alphabetical order. In this table, “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 $726,525 $930,300 $1,124,475 $1,397,400
ALPINE $484,350 $620,200 $749,650 $931,600
AMADOR $484,350 $620,200 $749,650 $931,600
BUTTE $484,350 $620,200 $749,650 $931,600
CALAVERAS $484,350 $620,200 $749,650 $931,600
COLUSA $484,350 $620,200 $749,650 $931,600
CONTRA COSTA $726,525 $930,300 $1,124,475 $1,397,400
DEL NORTE $484,350 $620,200 $749,650 $931,600
EL DORADO $552,000 $706,650 $854,200 $1,061,550
FRESNO $484,350 $620,200 $749,650 $931,600
GLENN $484,350 $620,200 $749,650 $931,600
HUMBOLDT $484,350 $620,200 $749,650 $931,600
IMPERIAL $484,350 $620,200 $749,650 $931,600
INYO $484,350 $620,200 $749,650 $931,600
KERN $484,350 $620,200 $749,650 $931,600
KINGS $484,350 $620,200 $749,650 $931,600
LAKE $484,350 $620,200 $749,650 $931,600
LASSEN $484,350 $620,200 $749,650 $931,600
LOS ANGELES $726,525 $930,300 $1,124,475 $1,397,400
MADERA $484,350 $620,200 $749,650 $931,600
MARIN $726,525 $930,300 $1,124,475 $1,397,400
MARIPOSA $484,350 $620,200 $749,650 $931,600
MENDOCINO $484,350 $620,200 $749,650 $931,600
MERCED $484,350 $620,200 $749,650 $931,600
MODOC $484,350 $620,200 $749,650 $931,600
MONO $529,000 $677,200 $818,600 $1,017,300
MONTEREY $652,050 $834,750 $1,009,000 $1,253,950
NAPA $726,525 $930,300 $1,124,475 $1,397,400
NEVADA $486,450 $622,750 $752,750 $935,500
ORANGE $726,525 $930,300 $1,124,475 $1,397,400
PLACER $552,000 $706,650 $854,200 $1,061,550
PLUMAS $484,350 $620,200 $749,650 $931,600
RIVERSIDE $484,350 $620,200 $749,650 $931,600
SACRAMENTO $552,000 $706,650 $854,200 $1,061,550
SAN BENITO $726,525 $930,300 $1,124,475 $1,397,400
SAN BERNARDINO $484,350 $620,200 $749,650 $931,600
SAN DIEGO $690,000 $883,300 $1,067,750 $1,326,950
SAN FRANCISCO $726,525 $930,300 $1,124,475 $1,397,400
SAN JOAQUIN $484,350 $620,200 $749,650 $931,600
SAN LUIS OBISPO $667,000 $853,900 $1,032,150 $1,282,700
SAN MATEO $726,525 $930,300 $1,124,475 $1,397,400
SANTA BARBARA $625,500 $800,775 $967,950 $1,202,925
SANTA CLARA $726,525 $930,300 $1,124,475 $1,397,400
SANTA CRUZ $726,525 $930,300 $1,124,475 $1,397,400
SHASTA $484,350 $620,200 $749,650 $931,600
SIERRA $484,350 $620,200 $749,650 $931,600
SISKIYOU $484,350 $620,200 $749,650 $931,600
SOLANO $494,500 $633,050 $765,200 $950,950
SONOMA $704,950 $902,450 $1,090,850 $1,355,700
STANISLAUS $484,350 $620,200 $749,650 $931,600
SUTTER $484,350 $620,200 $749,650 $931,600
TEHAMA $484,350 $620,200 $749,650 $931,600
TRINITY $484,350 $620,200 $749,650 $931,600
TULARE $484,350 $620,200 $749,650 $931,600
TUOLUMNE $484,350 $620,200 $749,650 $931,600
VENTURA $713,000 $912,750 $1,103,350 $1,371,150
YOLO $552,000 $706,650 $854,200 $1,061,550
YUBA $484,350 $620,200 $749,650 $931,600

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 $690,000. 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 2019

At the end of 2018, 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 27 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 2019. In most of the U.S., the 2019 maximum conforming loan limit for one-unit properties will be $484,350, an increase from $453,100 in 2018.”

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.