Find the maximum FHA loan amount for your California county.
California has some of the highest FHA loan limits in the country due to its high housing costs, particularly in coastal and metropolitan areas. Many California counties are at the FHA ceiling limit of $1,089,300 for single-family homes, while others fall somewhere between the floor ($472,030) and ceiling limits.
The wide range of housing costs across California means that FHA loan limits vary significantly from county to county. Urban areas like Los Angeles, San Francisco, and San Diego have much higher limits than rural counties in the Central Valley or Northern California.
Important: FHA loan limits are updated annually, typically in December for the following year. The limits shown on this page are current for 2025 and were last updated on December 1, 2024.
Below is a complete list of FHA loan limits for all 58 counties in California. The limits shown are for single-family homes. For multi-unit properties (2-4 units), higher limits apply.
| County | Single-Family Limit | Category |
|---|---|---|
| Alameda | $1,089,300 | Ceiling |
| Alpine | $647,200 | Between |
| Amador | $546,250 | Between |
| Butte | $472,030 | Floor |
| Calaveras | $510,400 | Between |
| Colusa | $472,030 | Floor |
| Contra Costa | $1,089,300 | Ceiling |
| Del Norte | $472,030 | Floor |
| El Dorado | $675,050 | Between |
| Fresno | $472,030 | Floor |
| Glenn | $472,030 | Floor |
| Humboldt | $472,030 | Floor |
| Imperial | $472,030 | Floor |
| Inyo | $529,000 | Between |
| Kern | $472,030 | Floor |
| Kings | $472,030 | Floor |
| Lake | $472,030 | Floor |
| Lassen | $472,030 | Floor |
| Los Angeles | $1,089,300 | Ceiling |
| Madera | $472,030 | Floor |
| Marin | $1,089,300 | Ceiling |
| Mariposa | $472,030 | Floor |
| Mendocino | $529,000 | Between |
| Merced | $472,030 | Floor |
| Modoc | $472,030 | Floor |
| Mono | $728,000 | Between |
| Monterey | $816,500 | Between |
| Napa | $948,750 | Between |
| Nevada | $598,000 | Between |
| Orange | $1,089,300 | Ceiling |
| Placer | $675,050 | Between |
| Plumas | $472,030 | Floor |
| Riverside | $598,000 | Between |
| Sacramento | $675,050 | Between |
| San Benito | $816,500 | Between |
| San Bernardino | $598,000 | Between |
| San Diego | $977,500 | Between |
| San Francisco | $1,089,300 | Ceiling |
| San Joaquin | $546,250 | Between |
| San Luis Obispo | $816,500 | Between |
| San Mateo | $1,089,300 | Ceiling |
| Santa Barbara | $816,500 | Between |
| Santa Clara | $1,089,300 | Ceiling |
| Santa Cruz | $1,089,300 | Ceiling |
| Shasta | $472,030 | Floor |
| Sierra | $472,030 | Floor |
| Siskiyou | $472,030 | Floor |
| Solano | $598,000 | Between |
| Sonoma | $816,500 | Between |
| Stanislaus | $472,030 | Floor |
| Sutter | $472,030 | Floor |
| Tehama | $472,030 | Floor |
| Trinity | $472,030 | Floor |
| Tulare | $472,030 | Floor |
| Tuolumne | $472,030 | Floor |
| Ventura | $948,750 | Between |
| Yolo | $675,050 | Between |
| Yuba | $472,030 | Floor |
If you're purchasing a multi-unit property (2-4 units) in California, higher FHA loan limits apply. Below are the limits for multi-unit properties in counties at the floor and ceiling:
| Property Type | Floor Counties | Ceiling Counties |
|---|---|---|
| Two-Family | $604,400 | $1,394,775 |
| Three-Family | $730,525 | $1,685,850 |
| Four-Family | $907,900 | $2,095,200 |
For counties with limits between the floor and ceiling, multi-unit property limits are also proportionally adjusted.
The following California counties have FHA loan limits at the ceiling ($1,089,300) for single-family homes:
These counties are primarily located in the San Francisco Bay Area and Southern California, where housing costs are among the highest in the nation.
The following California counties have FHA loan limits at the floor ($472,030) for single-family homes:
These counties are primarily located in the Central Valley, Northern California, and rural areas where housing costs are lower than the state average.
California's housing market is known for its high prices, particularly in coastal areas and major metropolitan regions. This can make it challenging for first-time homebuyers to enter the market, even with FHA loans.
In counties with high housing costs, such as Los Angeles, San Francisco, and Orange County, even the ceiling FHA loan limit of $1,089,300 may not be sufficient for many properties. In these areas, buyers may need to:
In counties with lower housing costs, such as those in the Central Valley or rural areas, FHA loans can be an excellent option for homebuyers. In these areas:
California has significant variation in FHA loan limits from county to county. Always check the specific limit for the county where you're buying.
If you work in a high-cost area like San Francisco or Los Angeles, consider buying in a nearby county with lower limits and housing costs.
California offers various down payment assistance programs that can be used with FHA loans, such as the California Housing Finance Agency (CalHFA) programs.
California's housing market can be competitive. Having a pre-approval letter and being ready to act quickly can help your offer stand out.
California property taxes are based on the purchase price of the home. Be sure to factor these into your affordability calculations.
For more information about FHA loans in California, check out these resources:
Now that you know the FHA loan limits for your California county, use our calculators to estimate your monthly payments and determine how much house you can afford.
Texas has a mix of loan limits, with major metropolitan areas having higher limits than rural counties. Most counties have the floor limit of $472,030.
View Texas LimitsFlorida's FHA loan limits vary significantly by county, with higher limits in areas like Miami-Dade and lower limits in rural counties.
View Florida LimitsNew York has some of the highest FHA loan limits, particularly in New York City and surrounding counties, where limits reach the ceiling.
View New York LimitsNow that you know the FHA loan limits for your California county, use our calculators to estimate your monthly payments, determine how much house you can afford, and explore your options.
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