Refinance or buy a home with a low 3.5% down payment! Get Started Now ➔

California Loan Limits

2023 Loan Limits

2023 Loan limits in California by county. Click on the map below to view loan limits for a particular county.

California Map

Minimum Loan Limit
Maximum Loan Limit

California has 58 counties, with conforming loan limits for a single-family home ranging from $726,200 in Alpine County to $1,089,300 in Alameda County.

California has 37 counties with standard or low-cost loan limits equal to the national baseline; 10 counties with high-cost loan limits equal to the national ceiling; and 11 counties with mid-range loan limits that are between the baseline and ceiling.

View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.

Counties in California (58)

High-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Alameda County $1,735,000 $1,089,300
Contra Costa County $1,735,000 $1,089,300
Los Angeles County $1,120,000 $1,089,300
Marin County $1,735,000 $1,089,300
Orange County $1,120,000 $1,089,300
San Benito County $1,623,000 $1,089,300
San Francisco County $1,735,000 $1,089,300
San Mateo County $1,735,000 $1,089,300
Santa Clara County $1,623,000 $1,089,300
Santa Cruz County $1,050,000 $1,089,300
Mid-Range Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
El Dorado County $664,000 $763,600
Monterey County $796,000 $915,400
Napa County $885,000 $1,017,750
Placer County $664,000 $763,600
Sacramento County $664,000 $763,600
San Diego County $850,000 $977,500
San Luis Obispo County $793,000 $911,950
Santa Barbara County $700,000 $805,000
Sonoma County $749,000 $861,350
Ventura County $825,000 $948,750
Yolo County $664,000 $763,600
Low-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Alpine County $433,000 $726,200
Amador County $395,000 $726,200
Butte County $310,000 $726,200
Calaveras County $399,000 $726,200
Colusa County $357,000 $726,200
Del Norte County $271,000 $726,200
Fresno County $392,000 $726,200
Glenn County $309,000 $726,200
Humboldt County $400,000 $726,200
Imperial County $288,000 $726,200
Inyo County $442,000 $726,200
Kern County $320,000 $726,200
Kings County $321,000 $726,200
Lake County $259,000 $726,200
Lassen County $190,000 $726,200
Madera County $400,000 $726,200
Mariposa County $320,000 $726,200
Mendocino County $475,000 $726,200
Merced County $405,000 $726,200
Modoc County $151,000 $726,200
Mono County $603,000 $726,200
Nevada County $560,000 $726,200
Plumas County $300,000 $726,200
Riverside County $560,000 $726,200
San Bernardino County $560,000 $726,200
San Joaquin County $571,000 $726,200
Shasta County $345,000 $726,200
Sierra County $265,000 $726,200
Siskiyou County $235,000 $726,200
Solano County $596,000 $726,200
Stanislaus County $450,000 $726,200
Sutter County $425,000 $726,200
Tehama County $285,000 $726,200
Trinity County $240,000 $726,200
Tulare County $328,000 $726,200
Tuolumne County $369,000 $726,200
Yuba County $425,000 $726,200

More on California

Want to learn more about California? See Fair Market Rents in California to view 40th percentile FMRs or click here to find a Public Housing Authority in California who can help with finding affordable housing near you.

Citation

Link to this Page:

Questions or Comments? Contact us

Data Source

HUD Seal

FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on January 2, 2023


Refinance or buy a home with a low 3.5% down payment! Get Started Now ➔