California Loan Limits

2022 Loan Limits

2022 Loan limits in California by county. Click on the map or table 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 $647,200 in Yuba County to $970,800 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 $1,629,000 $970,800
Contra Costa County $1,629,000 $970,800
Los Angeles County $955,000 $970,800
Marin County $1,629,000 $970,800
Orange County $955,000 $970,800
San Benito County $1,421,000 $970,800
San Francisco County $1,629,000 $970,800
San Mateo County $1,629,000 $970,800
Santa Clara County $1,421,000 $970,800
Santa Cruz County $945,000 $970,800

Mid-Range Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
El Dorado County $587,000 $675,050
Monterey County $743,000 $854,450
Napa County $780,000 $897,000
Placer County $587,000 $675,050
Sacramento County $587,000 $675,050
San Diego County $765,000 $879,750
San Luis Obispo County $700,000 $805,000
Santa Barbara County $681,000 $783,150
Sonoma County $665,000 $764,750
Ventura County $740,000 $851,000
Yolo County $587,000 $675,050

Low-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Alpine County $403,000 $647,200
Amador County $350,000 $647,200
Butte County $280,000 $647,200
Calaveras County $345,000 $647,200
Colusa County $308,000 $647,200
Del Norte County $249,000 $647,200
Fresno County $340,000 $647,200
Glenn County $275,000 $647,200
Humboldt County $351,000 $647,200
Imperial County $273,000 $647,200
Inyo County $375,000 $647,200
Kern County $280,000 $647,200
Kings County $290,000 $647,200
Lake County $245,000 $647,200
Lassen County $190,000 $647,200
Madera County $337,000 $647,200
Mariposa County $289,000 $647,200
Mendocino County $440,000 $647,200
Merced County $348,000 $647,200
Modoc County $151,000 $647,200
Mono County $490,000 $647,200
Nevada County $530,000 $647,200
Plumas County $293,000 $647,200
Riverside County $489,000 $647,200
San Bernardino County $489,000 $647,200
San Joaquin County $490,000 $647,200
Shasta County $312,000 $647,200
Sierra County $265,000 $647,200
Siskiyou County $185,000 $647,200
Solano County $534,000 $647,200
Stanislaus County $400,000 $647,200
Sutter County $366,000 $647,200
Tehama County $260,000 $647,200
Trinity County $240,000 $647,200
Tulare County $290,000 $647,200
Tuolumne County $327,000 $647,200
Yuba County $366,000 $647,200

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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, 2022