Sacramento County, CA FHA Loan Limit — 2026
2026 FHA loan limits for Sacramento County. Verify eligibility and estimate FHA MIP costs.
| Units | FHA Limit | Conforming |
|---|---|---|
| 1 Unit | $633,950 | $806,500 |
| 2 Unit | $811,350 | $1,032,650 |
| 3 Unit | $980,700 | $1,248,150 |
| 4 Unit | $1,219,050 | $1,551,250 |
Source: HUD. Data as of 2025-01-15.
2026 Loan Limits — Sacramento County, CA
| Limit Type | 2026 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $633,950 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
Local Home Values & Affordability
With a median home value of $470,000, Sacramento County is 52% 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 Sacramento County home requires $94,000 in cash — or $16,450 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
Sacramento County's $470,000 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
Sacramento County has one of the lowest property tax rates in our dataset at 0.76% — 31% 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 0.76% effective rate and a median home value of $470,000, a typical homeowner in Sacramento County pays approximately $3,572 in annual property taxes — or $298 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Sacramento County runs approximately $1,200/year ($100/month), in line with the national average of $1,600.
Premium quotes in Sacramento County typically range from $800 to $1,800 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 Sacramento County home ($470,000) with FHA's minimum 3.5% down would borrow $453,550 — well within the $654,650 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.
With 20% down on a median-priced home, the loan amount of $376,000 stays $456,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
All FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual MIP of 0.55%–0.75% of the loan balance paid monthly. On a $453,550 FHA loan, expect approximately $208/month in ongoing MIP — added to principal, interest, taxes, and insurance.
Sources: HUD ML 2025-23, FHFA 2026, HUD MIP Rates 2023
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