California FHA Loan Limits in 2018: All Counties

The max FHA loan limit for California will go up in 2018, due to significant home-price gains that occurred over the last year. California FHA loan limits vary by county, because they are based on median home prices that are also regional in nature.

California FHA Loan Limits for 2018

The table below shows the maximum FHA loan size for all California counties. These limits apply to FHA-insured mortgage loans with case numbers assigned on or after January 1, 2018. They will remain in effect through the end of that year.

County 1-Family 2-Family 3-Family 4-Family
ALAMEDA $679,650 $870,225 $1,051,875 $1,307,175
ALPINE $463,450 $593,300 $717,150 $891,250
AMADOR $332,350 $425,450 $514,300 $639,150
BUTTE $294,515 $377,075 $455,800 $566,425
CALAVERAS $373,750 $478,450 $578,350 $718,750
COLUSA $294,515 $377,075 $455,800 $566,425
CONTRA COSTA $679,650 $870,225 $1,051,875 $1,307,175
DEL NORTE $294,515 $377,075 $455,800 $566,425
EL DORADO $517,500 $662,500 $800,800 $995,200
FRESNO $294,515 $377,075 $455,800 $566,425
GLENN $294,515 $377,075 $455,800 $566,425
HUMBOLDT $327,750 $419,550 $507,150 $630,300
IMPERIAL $294,515 $377,075 $455,800 $566,425
INYO $369,150 $472,550 $571,250 $709,900
KERN $294,515 $377,075 $455,800 $566,425
KINGS $294,515 $377,075 $455,800 $566,425
LAKE $294,515 $377,075 $455,800 $566,425
LASSEN $294,515 $377,075 $455,800 $566,425
LOS ANGELES $679,650 $870,225 $1,051,875 $1,307,175
MADERA $294,515 $377,075 $455,800 $566,425
MARIN $679,650 $870,225 $1,051,875 $1,307,175
MARIPOSA $322,000 $412,200 $498,250 $619,250
MENDOCINO $394,450 $504,950 $610,400 $758,550
MERCED $294,515 $377,075 $455,800 $566,425
MODOC $294,515 $377,075 $455,800 $566,425
MONO $529,000 $677,200 $818,600 $1,017,300
MONTEREY $615,250 $787,650 $952,050 $1,183,200
NAPA $679,650 $870,225 $1,051,875 $1,307,175
NEVADA $477,250 $610,950 $738,500 $917,800
ORANGE $679,650 $870,225 $1,051,875 $1,307,175
PLACER $517,500 $662,500 $800,800 $995,200
PLUMAS $336,950 $431,350 $521,400 $648,000
RIVERSIDE $405,950 $519,700 $628,200 $780,650
SACRAMENTO $517,500 $662,500 $800,800 $995,200
SAN BENITO $679,650 $870,225 $1,051,875 $1,307,175
SAN BERNARDINO $405,950 $519,700 $628,200 $780,650
SAN DIEGO $649,750 $831,800 $1,005,450 $1,249,550
SAN FRANCISCO $679,650 $870,225 $1,051,875 $1,307,175
SAN JOAQUIN $391,000 $500,550 $605,050 $751,900
SAN LUIS OBISPO $615,250 $787,650 $952,050 $1,183,200
SAN MATEO $679,650 $870,225 $1,051,875 $1,307,175
SANTA BARBARA $653,200 $836,200 $1,010,800 $1,256,150
SANTA CLARA $679,650 $870,225 $1,051,875 $1,307,175
SANTA CRUZ $679,650 $870,225 $1,051,875 $1,307,175
SHASTA $294,515 $377,075 $455,800 $566,425
SIERRA $304,750 $390,100 $471,550 $586,050
SISKIYOU $294,515 $377,075 $455,800 $566,425
SOLANO $460,000 $588,850 $711,800 $884,600
SONOMA $648,600 $830,300 $1,003,650 $1,247,300
STANISLAUS $322,000 $412,200 $498,250 $619,250
SUTTER $299,000 $382,750 $462,650 $575,000
TEHAMA $294,515 $377,075 $455,800 $566,425
TRINITY $294,515 $377,075 $455,800 $566,425
TULARE $294,515 $377,075 $455,800 $566,425
TUOLUMNE $331,200 $424,000 $512,500 $636,900
VENTURA $672,750 $861,250 $1,041,050 $1,293,750
YOLO $517,500 $662,500 $800,800 $995,200
YUBA $299,000 $382,750 $462,650 $575,000

Maximum Loan Amount Increased Due to Home Prices

The 2018 FHA loan limits went up in most California counties, as they did in most counties nationwide. This change was made in response to ongoing home-price appreciation occurring across the U.S.

According to a December 2017 news release from the Department of Housing and Urban Development (HUD):

“In high-cost areas of the country, FHA’s loan limit ceiling will increase to $679,650 [in 2018] from $636,150 [in 2017]. The Federal Housing Agency will also increase its floor to $294,515 from $275,665.”

The agency will also increase the national limit for its reverse mortgage product, which is known as the Home Equity Conversion Mortgage (HECM). That maximum amount will increase from $636,150 in 2017 to $679,650 in 2018. Unlike the “regular” home loan limits above, which can vary by county, the maximum HECM figure applies to all reverse mortgages regardless of where the property is located.

Our Website Offers a Wealth of FHA Information

FHAhandbook.com has been publishing FHA loan-related articles, tutorials and resources for many years. If you would like to learn more about this unique program, and what it takes to qualify, start with the “learn” link in our main navigation menu.

Here are some recommended articles for home buyers considering this program:

Disclaimer: This page includes the 2018 maximum FHA loan limits for all California counties. The table above was adapted from a database offered by the Department of Housing and Urban Development, which oversees this mortgage insurance program. While we strive for 100% accuracy, there is always a chance for human error during the transcription process. For the most accurate FHA loan limits in California, visit https://entp.hud.gov/idapp/html/hicostlook.cfm.