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2019 FHA Loan Limits in California

FHA loan limits in California vary by county, but for single-family homes, they range from $314,827 in lower-cost markets, such as Fresno and Redding, and peak at $726,525 in more expensive metro areas, such as the San Francisco Bay Area and Los Angeles.

No matter the location, all residents of California enjoy a mild climate, access to high-paying jobs in the innovative tech sector, a lengthy coastline, national parks, a diverse culture and a thriving food and wine scene. But because California is so large, its housing market is hard to summarize: From affluent beach and bay cities to desert agriculture towns, from the Bay Area to Los Angeles, to smaller inland cities such as Sacramento, housing options and costs vary widely.

Five of the 10 most expensive U.S. markets are located in California. The San Jose-Sunnyvale-Santa Clara metro area boasted the highest median home sales price in the nation, clocking in at $1.3 million in late 2018, according to the National Association of Realtors. Seven counties in California have median home prices exceeding $1.1 million.

That said, California offers a mix of large and small communities, and not all mirror the large metro areas in terms of home costs.

California FHA loan limits by county

FHA Loan Limits in California
County Single-Family Limit Two-Family Limit Three-Family Limit Four-Family Limit Median Sale Price
Alameda $726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
Alpine $463,450 $593,300 $717,150 $891,250 $273,000
Amador $350,750 $449,000 $542,750 $674,500 $305,000
Butte $314,827 $403,125 $487,250 $605,525 $258,000
Calaveras $373,750 $478,450 $578,350 $718,750 $275,000
Colusa $314,827 $403,125 $487,250 $605,525 $249,000
Contra Costa $726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
Del Norte $314,827 $403,125 $487,250 $605,525 $180,000
El Dorado $552,000 $706,650 $854,200 $1,061,550 $480,000
Fresno $314,827 $403,125 $487,250 $605,525 $265,000
Glenn $314,827 $403,125 $487,250 $605,525 $205,000
Humboldt $333,500 $426,950 $516,050 $641,350 $290,000
Imperial $314,827 $403,125 $487,250 $605,525 $205,000
Inyo $369,150 $472,550 $571,250 $709,900 $276,000
Kern $314,827 $403,125 $487,250 $605,525 $215,000
Kings $314,827 $403,125 $487,250 $605,525 $225,000
Lake $314,827 $403,125 $487,250 $605,525 $193,000
Lassen $314,827 $403,125 $487,250 $605,525 $150,000
Los Angeles $726,525 $930,300 $1,124,475 $1,397,400 $790,000
Madera $314,827 $403,125 $487,250 $605,525 $247,000
Marin $726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
Mariposa $322,000 $412,200 $498,250 $619,250 $240,000
Mendocino $409,400 $524,100 $633,500 $787,300 $356,000
Merced $314,827 $403,125 $487,250 $605,525 $264,000
Modoc $314,827 $403,125 $487,250 $605,525 $84,000
Mono $529,000 $677,200 $818,600 $1,017,300 $389,000
Monterey $652,050 $834,750 $1,009,000 $1,253,950 $567,000
Napa $726,525 $930,300 $1,124,475 $1,397,400 $660,000
Nevada $486,450 $622,750 $752,750 $935,500 $423,000
Orange $726,525 $930,300 $1,124,475 $1,397,400 $790,000
Placer $552,000 $706,650 $854,200 $1,061,550 $480,000
Plumas $336,950 $431,350 $521,400 $648,000 $230,000
Riverside $431,250 $552,050 $667,350 $829,350 $375,000
Sacramento $552,000 $706,650 $854,200 $1,061,550 $480,000
San Benito $726,525 $930,300 $1,124,475 $1,397,400 $1,225,000
San Bernardino $431,250 $552,050 $667,350 $829,350 $375,000
San Diego $690,000 $883,300 $1,067,750 $1,326,950 $600,000
San Francisco $726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
San Joaquin $425,500 $544,700 $658,450 $818,250 $370,000
San Luis Obispo $667,000 $853,900 $1,032,150 $1,282,700 $580,000
San Mateo $726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
Santa Barbara $653,200 $836,200 $1,010,800 $1,256,150 $493,000
Santa Clara $726,525 $930,300 $1,124,475 $1,397,400 $1,225,000
Santa Cruz $726,525 $930,300 $1,124,475 $1,397,400 $785,000
Shasta $314,827 $403,125 $487,250 $605,525 $245,000
Sierra $314,827 $403,125 $487,250 $605,525 $186,000
Siskiyou $314,827 $403,125 $487,250 $605,525 $155,000
Solano $494,500 $633,050 $765,200 $950,950 $430,000
Sonoma $704,950 $902,450 $1,090,850 $1,355,700 $613,000
Stanislaus $350,750 $449,000 $542,750 $674,500 $305,000
Sutter $324,300 $415,150 $501,800 $623,650 $282,000
Tehama $314,827 $403,125 $487,250 $605,525 $190,000
Trinity $314,827 $403,125 $487,250 $605,525 $171,000
Tulare $314,827 $403,125 $487,250 $605,525 $220,000
Tuolumne $331,200 $424,000 $512,500 $636,900 $260,000
Ventura $713,000 $912,750 $1,103,350 $1,371,150 $620,000
Yolo $552,000 $706,650 $854,200 $1,061,550 $480,000
Yuba $324,300 $415,150 $501,800 $623,650 $282,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits each year. HUD takes what is known as the “baseline conforming loan limit,” the maximum loan size Freddie Mac or Fannie Mae will purchase, and uses that as the figure from which FHA loan amounts are calculated. In 2019, the conforming loan limit starts at $484,350.

The lower end of FHA limits is 65 percent of this figure, or $314,827. The higher end or “ceiling” for more expensive markets is up to 115 percent, and in areas where the median home price exceeds the $484,350 baseline, the maximum price goes to 150 percent, or $726,525.

Here are the 2019 standard FHA limits for all property types:

  • One-unit: $314,827
  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

Here are the 2019 standard FHA limits for high-cost areas:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Do you qualify for an FHA loan in California?

About one-quarter of mortgage loans originated in California are FHA, according to a 2016 FHA annual report (the most recent report covering this data). To qualify for an FHA loan, you’ll need to satisfy minimum credit scores and fulfill income and other requirements, some of which may be added as “overlays” by lenders offering the loans. For more information, visit LendingTree’s FHA hub.

 

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