2026 FHA Loan Limits — California
Select a county to see the 2026 FHA loan limit, multi-unit limits, MIP cost estimates, and how your loan compares to the conforming limit.
California Counties
Los Angeles CountyFHA limit from $541,287 · Median home $820,000San Diego CountyFHA limit from $541,287 · Median home $890,000Orange CountyFHA limit from $541,287 · Median home $1,050,000Riverside CountyFHA limit from $541,287 · Median home $530,000Sacramento CountyFHA limit from $541,287 · Median home $470,000San Bernardino CountyFHA limit from $541,287 · Median home $470,000Alameda CountyFHA limit from $541,287 · Median home $1,050,000Contra Costa CountyFHA limit from $541,287 · Median home $890,000San Francisco CountyFHA limit from $541,287 · Median home $1,350,000Fresno CountyFHA limit from $541,287 · Median home $350,000Kern CountyFHA limit from $541,287 · Median home $340,000
About these limits: 2026 FHA limits for California reflect HUD ML 2025-23, effective January 1, 2026. The national floor is $541,287; high-cost areas may qualify for higher limits up to $1,249,125.