California FHA Loan Limits 2022
The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.
You’ll notice that most California counties have an FHA Loan Limit of 420,680 for a single-family home. Higher-priced areas of California such as Almeda, Contra Costa, Los Angeles, Marin, Orange, San Benito, San Francisco, San Mateo, Santa Clara, and Santa Cruz County all have loan limits of 1,149,825 for a single-family home. This is due to higher priced homes in that area. Other counties fall somewhere in between these “floor” and “ceiling” amounts.
See the table below for 2022 FHA Loan Limits in all California Counties.
2022 FHA Loan Limits for All California Counties
The table below contains the 2022 FHA Loan limits for all 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 | $463,450 | $593,300 | $717,150 | $891,250 |
| AMADOR | $420,680 | $538,650 | $651,050 | $809,150 |
| BUTTE | $420,680 | $538,650 | $651,050 | $809,150 |
| CALAVERAS | $420,680 | $538,650 | $651,050 | $809,150 |
| COLUSA | $420,680 | $538,650 | $651,050 | $809,150 |
| CONTRA COSTA | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| DEL NORTE | $420,680 | $538,650 | $651,050 | $809,150 |
| EL DORADO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| FRESNO | $420,680 | $538,650 | $651,050 | $809,150 |
| GLENN | $420,680 | $538,650 | $651,050 | $809,150 |
| HUMBOLDT | $420,680 | $538,650 | $651,050 | $809,150 |
| IMPERIAL | $420,680 | $538,650 | $651,050 | $809,150 |
| INYO | $431,250 | $552,050 | $667,350 | $829,350 |
| KERN | $420,680 | $538,650 | $651,050 | $809,150 |
| KINGS | $420,680 | $538,650 | $651,050 | $809,150 |
| LAKE | $420,680 | $538,650 | $651,050 | $809,150 |
| LASSEN | $420,680 | $538,650 | $651,050 | $809,150 |
| LOS ANGELES | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| MADERA | $420,680 | $538,650 | $651,050 | $809,150 |
| MARIN | $1,149,825 | $1,243,050 | $1,502,475 | $1,867,275 |
| MARIPOSA | $420,680 | $538,650 | $651,050 | $809,150 |
| MENDOCINO | $506,000 | $647,750 | $783,000 | $973,100 |
| MERCED | $420,680 | $538,650 | $651,050 | $809,150 |
| MODOC | $420,680 | $538,650 | $651,050 | $809,150 |
| MONO | $563,500 | $721,400 | $872,000 | $1,083,650 |
| 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 | $609,500 | $780,250 | $943,150 | $1,172,150 |
| 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 | $420,680 | $538,650 | $651,050 | $809,150 |
| RIVERSIDE | $562,350 | $719,900 | $870,200 | $1,081,450 |
| 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 | $562,350 | $719,900 | $870,200 | $1,081,450 |
| 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 | $563,500 | $721,400 | $872,000 | $1,083,650 |
| 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 | $420,680 | $538,650 | $651,050 | $809,150 |
| SIERRA | $420,680 | $538,650 | $651,050 | $809,150 |
| SISKIYOU | $420,680 | $538,650 | $651,050 | $809,150 |
| SOLANO | $614,100 | $786,150 | $950,300 | $1,181,000 |
| SONOMA | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| STANISLAUS | $460,000 | $588,850 | $711,800 | $884,600 |
| SUTTER | $420,900 | $538,800 | $651,300 | $809,450 |
| TEHAMA | $420,680 | $538,650 | $651,050 | $809,150 |
| TRINITY | $420,680 | $538,650 | $651,050 | $809,150 |
| TULARE | $420,680 | $538,650 | $651,050 | $809,150 |
| TUOLUMNE | $420,680 | $538,650 | $651,050 | $809,150 |
| VENTURA | $851,000 | $1,089,450 | $1,316,900 | $1,636,550 |
| YOLO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| YUBA | $420,900 | $538,800 | $651,300 | $809,450 |
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