California 2022 conforming loan limit $715,000
The increased 2022 California conforming loan limits to $715,000 is for mortgage brokers and not most Retail lenders. We are now offering 2023 county loan limits up to $715,000 on all conventional loans. effective as of 9/07/2022 We expect the Federal housing officials to be announcing the official change later this year and it’s likely that FHFA’s 2023 conforming loan limit will be higher than $715,000.
You’ll notice that most California counties have a conforming loan limit of $766,550, Now will be raised to $715,000 for a single-family home. Higher-priced areas like those in the San Francisco Bay Area have conventional limits of up to $1,149,825 due to higher home values. Other counties fall somewhere in between these “floor” and “ceiling” amounts.
See the table below for 2022 conforming loan limits in all California counties.
2022 Conforming Loan Limits for All California Counties
The table below contains the 2022 conforming limits for all 58 counties in California, listed in alphabetical order. In this table, “1 unit” refers to a single-family home, “2 unit” refers to a duplex-style home with two separate residents, and so on.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
| ALAMEDA | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| ALPINE | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| AMADOR | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| BUTTE | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CALAVERAS | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| COLUSA | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CONTRA COSTA | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| DEL NORTE | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| EL DORADO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| FRESNO | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| GLENN | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HUMBOLDT | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| IMPERIAL | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| INYO | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| KERN | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| KINGS | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| LAKE | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| LASSEN | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| LOS ANGELES | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| MADERA | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MARIN | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| MARIPOSA | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MENDOCINO | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MERCED | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MODOC | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MONO | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MONTEREY | $854,450 | $1,093,850 | $1,322,200 | $1,643,200 |
| NAPA | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| NEVADA | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| ORANGE | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| PLACER | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| PLUMAS | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| RIVERSIDE | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SACRAMENTO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| SAN BENITO | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| SAN BERNARDINO | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SAN DIEGO | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| SAN FRANCISCO | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| SAN JOAQUIN | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SAN LUIS OBISPO | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| SAN MATEO | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| SANTA BARBARA | $783,150 | $1,002,600 | $1,211,900 | $1,506,100 |
| SANTA CLARA | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| SANTA CRUZ | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| SHASTA | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SIERRA | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SISKIYOU | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SOLANO | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SONOMA | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| STANISLAUS | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SUTTER | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| TEHAMA | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| TRINITY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| TULARE | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| TUOLUMNE | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| VENTURA | $851,000 | $1,089,450 | $1,316,900 | $1,636,550 |
| YOLO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| YUBA | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
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