Los Angeles County, CA FHA Loan Limit — 2026
2026 FHA loan limits for Los Angeles County. Verify eligibility and estimate FHA MIP costs.
| Units | FHA Limit | Conforming |
|---|---|---|
| 1 Unit | $1,209,750 | $1,209,750 |
| 2 Unit | $1,548,975 | $1,548,975 |
| 3 Unit | $1,872,225 | $1,872,225 |
| 4 Unit | $2,326,875 | $2,326,875 |
Source: HUD. Data as of 2025-01-15.
2026 Loan Limits — Los Angeles County, CA
| Limit Type | 2026 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $1,209,750 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $1,209,750 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
Local Home Values & Affordability
With a median home value of $820,000, Los Angeles County is 165% above the national median of $310,000 — placing it firmly in premium territory where careful loan-type selection matters.
A 20% down payment on a median Los Angeles County home requires $164,000 in cash — or $28,700 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
Los Angeles County's $820,000 median sits between Kern County ($340,000) and San Francisco County ($1,350,000) within the California counties we track.
Property Tax in This Market
Los Angeles County has one of the lowest property tax rates in our dataset at 0.73% — 34% below the national average of 1.10%. This keeps monthly PITI payments notably lower than in high-tax markets with comparable home values.
Based on the 0.73% effective rate and a median home value of $820,000, a typical homeowner in Los Angeles County pays approximately $5,986 in annual property taxes — or $499 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Los Angeles County runs approximately $1,400/year ($117/month), in line with the national average of $1,600.
Premium quotes in Los Angeles County typically range from $900 to $2,100 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.
Sources: NAIC 2024
Loan Limits & Financing Options
A buyer purchasing the median Los Angeles County home ($820,000) with FHA's minimum 3.5% down would borrow $791,300 — well within the $1,249,125 elevated FHA limit for this county. FHA financing is a viable option for most buyers here.
Los Angeles County is designated a high-cost area by both FHFA and HUD, meaning local FHA and conforming limits are elevated above the national baseline. This expanded purchasing power is a meaningful benefit for buyers compared to most-of-the-country baseline markets.
With 20% down on a median-priced home, the loan amount of $656,000 stays $593,125 below the $1,249,125 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
Sources: HUD ML 2025-23, FHFA 2026
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