California Loan Limits

2021 Loan Limits

2021 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 $548,250 in Yuba County to $822,375 in Alameda County.

California has 36 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 12 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 $1,500,000 $822,375
Contra Costa County $1,500,000 $822,375
Los Angeles County $839,000 $822,375
Marin County $1,500,000 $822,375
Orange County $839,000 $822,375
San Benito County $1,235,000 $822,375
San Francisco County $1,500,000 $822,375
San Mateo County $1,500,000 $822,375
Santa Clara County $1,235,000 $822,375
Santa Cruz County $822,000 $822,375

Mid-Range Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
El Dorado County $520,000 $598,000
Monterey County $643,000 $739,450
Napa County $710,000 $816,500
Placer County $520,000 $598,000
Sacramento County $520,000 $598,000
San Diego County $655,000 $753,250
San Luis Obispo County $610,000 $701,500
Santa Barbara County $574,000 $660,100
Solano County $479,000 $550,850
Sonoma County $615,000 $707,250
Ventura County $643,000 $739,450
Yolo County $520,000 $598,000

Low-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Alpine County $403,000 $548,250
Amador County $317,000 $548,250
Butte County $280,000 $548,250
Calaveras County $325,000 $548,250
Colusa County $280,000 $548,250
Del Norte County $212,000 $548,250
Fresno County $300,000 $548,250
Glenn County $252,000 $548,250
Humboldt County $310,000 $548,250
Imperial County $250,000 $548,250
Inyo County $325,000 $548,250
Kern County $245,000 $548,250
Kings County $255,000 $548,250
Lake County $215,000 $548,250
Lassen County $190,000 $548,250
Madera County $296,000 $548,250
Mariposa County $280,000 $548,250
Mendocino County $385,000 $548,250
Merced County $300,000 $548,250
Modoc County $151,000 $548,250
Mono County $460,000 $548,250
Nevada County $458,000 $548,250
Plumas County $293,000 $548,250
Riverside County $415,000 $548,250
San Bernardino County $415,000 $548,250
San Joaquin County $420,000 $548,250
Shasta County $275,000 $548,250
Sierra County $265,000 $548,250
Siskiyou County $185,000 $548,250
Stanislaus County $345,000 $548,250
Sutter County $325,000 $548,250
Tehama County $224,000 $548,250
Trinity County $207,000 $548,250
Tulare County $255,000 $548,250
Tuolumne County $288,000 $548,250
Yuba County $325,000 $548,250

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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, 2021