California’s 2021 conforming limit for one-unit properties is $548,250, with high-cost counties having a limit of $822,375.
California’s conforming limit for 2-unit properties in 2021 is $702,000, and in high-cost counties, it rises to $1,053,000.
2022 Conforming Loan Limits for All California Counties
The conforming limits for each of California’s 58 counties are shown in the table below, arranged alphabetically. In this table, a single-family home is referred to as a “1 unit,” a duplex-style home with two separate residents is referred to as a “2 unit,” and so forth.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
| ALAMEDA | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| ALPINE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| AMADOR | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| BUTTE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| CALAVERAS | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| COLUSA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| CONTRA COSTA | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| DEL NORTE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| EL DORADO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| FRESNO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| GLENN | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| HUMBOLDT | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| IMPERIAL | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| INYO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| KERN | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| KINGS | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| LAKE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| LASSEN | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| LOS ANGELES | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| MADERA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| MARIN | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| MARIPOSA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| MENDOCINO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| MERCED | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| MODOC | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| MONO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| MONTEREY | $854,450 | $1,093,850 | $1,322,200 | $1,643,200 |
| NAPA | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| NEVADA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| ORANGE | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| PLACER | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| PLUMAS | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| RIVERSIDE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| SACRAMENTO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| SAN BENITO | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| SAN BERNARDINO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| SAN DIEGO | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| SAN FRANCISCO | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| SAN JOAQUIN | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| SAN LUIS OBISPO | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| SAN MATEO | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| SANTA BARBARA | $783,150 | $1,002,600 | $1,211,900 | $1,506,100 |
| SANTA CLARA | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| SANTA CRUZ | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| SHASTA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| SIERRA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| SISKIYOU | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| SOLANO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| SONOMA | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| STANISLAUS | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| SUTTER | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| TEHAMA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| TRINITY | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| TULARE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| TUOLUMNE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
| VENTURA | $851,000 | $1,089,450 | $1,316,900 | $1,636,550 |
| YOLO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| YUBA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
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FAQ
What is the conventional loan limit for 2021 in California?
California’s 2021 conforming limit for one-unit properties is $548,250, with high-cost counties having a limit of $822,375. California’s conforming limit for 2-unit properties in 2021 is $702,000, and in high-cost counties, it rises to $1,053,000.
What is the maximum conforming loan amount in California 2022?
California’s conforming loan ceiling for 2022 is $647,200 and increases to $970,800 for high-cost counties (also known as high balance mortgage loans) for one-unit properties. Each year, California county maximum mortgage limits are revised by Fannie Mae & Freddie Mac, the FHA, and the VA.
What is the jumbo loan limit for 2021 in California?
Any loan that exceeds $970,800 is considered a jumbo loan. Lower jumbo loan limits apply to certain counties, including Solano County and San Joaquin County.
Are conforming loan limits increasing 2022?
The maximum baseline conforming loan limits for mortgages purchased by Fannie Mae and Freddie Mac in 2023 will increase to $726,200, up from $647,200 in 2022, according to a statement from the Federal Housing Finance Agency (FHFA).