Tags: 2022 High-Cost LOS ANGELES-LONG BEACH-ANAHEIM, CA
This page contains the Conforming, FHA, VA, and HECM Loan Limits for each housing type in Orange County.
Loan Limit Tables Orange County, CA
Loan Limits are the maximum amount of money allowed to be lent for a particular kind of loan. Different types of loans have different limits. Below are the 2022 loan limits for Orange County, CA.
Conforming Loan Limits
FHA Loan Limits
Loan Limit Breakdown
Median Home Price
The Federal Housing Finance Agency (FHFA) conducts an annual survey to determine the median home prices in each county or metro area in the US. Median home price is then used to determine the loan limits in Orange County.
The last survey of home prices in Orange County was conducted in 2021 and found the median home price was $955,000.
Loan Limits Summary
Based on the median home price, Orange County was determined to be a "high-cost" area. Accordingly, 2022 loan limits in Orange County are set equal to the national ceiling limit.
The 2022 conforming loan limit for a single-family home in Orange County, CA is $970,800. The FHA loan limit for a single-family home is $970,800.
This is an 15.3% increase over the 2021 loan limits which were set at $822,375 for a single-family conventional.
The tables above provide a complete breakdown of 2022 loan limits in Orange County, CA for FHA Loans, Conforming Loans, VA Loans, and HECM Reverse Mortgages.
Loan Limits on this page apply to the following cities in Orange County, California: Westminster, Santa Ana, Anaheim, Laguna Niguel, La Habra, Lake Forest, Huntington Beach, Fountain Valley, Costa Mesa, Tustin, Placentia, Cypress, Mission Viejo, Garden Grove, Fullerton, Aliso Viejo, Yorba Linda, Buena Park, Rancho Santa Margarita, and Orange.
These loan limits also apply to the following ZIP codes in Orange County, California: 92683, 92704, 92804, 92677, 90631, 92805, 92630, 92703, 92707, 92646, 92708, 92801, 92627, 92647, 92780, 92870, 90630, 92692, 92691, and 92840.
Orange County, CA is considered part of the following metro area: LOS ANGELES-LONG BEACH-ANAHEIM, CA.
Other counties in the same metro area are: 0, CA.
More on Orange County, CA
Want to learn more about Orange County, CA? See Fair Market Rents in Orange County, CA to view 40th percentile FMRs and SAFMRs by ZIP code or click here to find a Public Housing Authority near Orange County, CA who can help with finding affordable housing near you.
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