2024 FHA Loan Limits in California by County
The Federal Housing Administration (FHA) determines the maximum loan amount borrowers can qualify for when seeking an FHA loan. These FHA loan limits can vary by county and are based on the median home prices in each county. FHA loan limits are adjusted annually based on housing market changes. In California, FHA loan limits fall into two main categories:
- Standard Loan Limits. These limits apply to most counties in the state and serve as a baseline for FHA mortgages.
- High Cost Area Loan Limits. These limits are higher than the standard limits and apply to counties with significantly higher median home prices, such as San Francisco, Los Angeles, Orange, Alameda, Marin, San Benito, Santa Clara and Santa Clara counties.
For a 1 unit home (single family) the limits in California range from a standard limit of $498,257 up to a high cost limit of $1,149,825. FHA also has different loan limits based on the number of units in the home. Below are the 2024 FHA loan limits for 1- 4 unit properties in CA for each county.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| ALAMEDA | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| ALPINE | $503,700 | $644,800 | $779,450 | $968,650 |
| AMADOR | $498,257 | $637,950 | $771,125 | $958,350 |
| BUTTE | $498,257 | $637,950 | $771,125 | $958,350 |
| CALAVERAS | $498,257 | $637,950 | $771,125 | $958,350 |
| COLUSA | $498,257 | $637,950 | $771,125 | $958,350 |
| CONTRA COSTA | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| DEL NORTE | $498,257 | $637,950 | $771,125 | $958,350 |
| EL DORADO | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| FRESNO | $498,257 | $637,950 | $771,125 | $958,350 |
| GLENN | $498,257 | $637,950 | $771,125 | $958,350 |
| HUMBOLDT | $498,257 | $637,950 | $771,125 | $958,350 |
| IMPERIAL | $498,257 | $637,950 | $771,125 | $958,350 |
| INYO | $508,300 | $650,700 | $786,550 | $977,500 |
| KERN | $498,257 | $637,950 | $771,125 | $958,350 |
| KINGS | $498,257 | $637,950 | $771,125 | $958,350 |
| LAKE | $498,257 | $637,950 | $771,125 | $958,350 |
| LASSEN | $498,257 | $637,950 | $771,125 | $958,350 |
| LOS ANGELES | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| MADERA | $498,257 | $637,950 | $771,125 | $958,350 |
| MARIN | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| MARIPOSA | $498,257 | $637,950 | $771,125 | $958,350 |
| MENDOCINO | $546,250 | $699,300 | $845,300 | $1,050,500 |
| MERCED | $498,257 | $637,950 | $771,125 | $958,350 |
| MODOC | $498,257 | $637,950 | $771,125 | $958,350 |
| MONO | $693,450 | $887,750 | $1,073,100 | $1,333,600 |
| MONTEREY | $920,000 | $1,177,750 | $1,423,650 | $1,769,250 |
| NAPA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| NEVADA | $644,000 | $824,450 | $996,550 | $1,238,500 |
| ORANGE | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| PLACER | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| PLUMAS | $498,257 | $637,950 | $771,125 | $958,350 |
| RIVERSIDE | $644,000 | $824,450 | $996,550 | $1,238,500 |
| SACRAMENTO | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| SAN BENITO | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SAN BERNARDINO | $644,000 | $824,450 | $996,550 | $1,238,500 |
| SAN DIEGO | $1,006,250 | $1,288,200 | $1,557,150 | $1,935,150 |
| SAN FRANCISCO | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SAN JOAQUIN | $656,650 | $840,650 | $1,016,150 | $1,262,800 |
| SAN LUIS OBISPO | $929,200 | $1,189,550 | $1,437,900 | $1,786,950 |
| SAN MATEO | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SANTA BARBARA | $838,350 | $1,073,250 | $1,297,300 | $1,612,250 |
| SANTA CLARA | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SANTA CRUZ | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SHASTA | $498,257 | $637,950 | $771,125 | $958,350 |
| SIERRA | $498,257 | $637,950 | $771,125 | $958,350 |
| SISKIYOU | $498,257 | $637,950 | $771,125 | $958,350 |
| SOLANO | $685,400 | $877,450 | $1,060,600 | $1,318,100 |
| SONOMA | $877,450 | $1,123,300 | $1,357,800 | $1,687,450 |
| STANISLAUS | $517,500 | $662,500 | $800,800 | $995,200 |
| SUTTER | $498,257 | $637,950 | $771,125 | $958,350 |
| TEHAMA | $498,257 | $637,950 | $771,125 | $958,350 |
| TRINITY | $498,257 | $637,950 | $771,125 | $958,350 |
| TULARE | $498,257 | $637,950 | $771,125 | $958,350 |
| TUOLUMNE | $498,257 | $637,950 | $771,125 | $958,350 |
| VENTURA | $954,500 | $1,221,950 | $1,477,050 | $1,835,600 |
| YOLO | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| YUBA | $498,257 | $637,950 | $771,125 | $958,350 |
View FHA Loan Limits for Other States
| Connecticut FHA Loan Limits | New York FHA Loan Limits |
| Florida FHA Loan Limits | Pennsylvania FHA Loan Limits |
| New Jersey FHA Loan Limits | Texas FHA Loan Limits |
Why FHA Loan Limits in California are Higher in 2024
FHA loan limits in California have increased in 2024 compared to the previous year due to the ongoing surge in home prices across the state. The competitive housing market and strong demand for homes have resulted in significant appreciation of home values. The higher loan limits help borrowers keep up with the market and provide greater purchasing power, particularly for first-time homebuyers and those with limited financial resources.
How to get pre-approved for a FHA loan in California
Getting pre-approved for a FHA mortgage is quick and easy with our Online Loan Application. After completing the application, you will receive instructions on how to upload your documents. For a list of documents you will need to upload, see our Pre-approval Document Checklist.
FHA Mortgage Rates in California
View our current California FHA mortgage rates.
FHA Loan Limits FAQs
Loan limits vary because they are based on the median home prices in specific areas. This approach ensures that the amounts reflect the local real estate market, making FHA loans accessible and reasonable for homebuyers in different regions.
FHA loan limits can change annually. The Department of Housing and Urban Development (HUD) reviews and adjusts the limits each year based on movements in the housing market and home price indices.
If the home price exceeds the FHA loan limits for your county, you have a few options: consider a different home that falls within the loan limits, make a larger down payment to cover the difference, or look into different types of financing, such as a conventional mortgage or a jumbo loan.
See our FHA Loan Requirements for more information on how to qualify for a FHA loan.
No, there are no income limits for obtaining an FHA loan. However, borrowers must meet debt-to-income (DTI) ratio guidelines and prove their ability to repay the loan. Typically, FHA guidelines require a DTI ratio of 57% or less.
No, FHA loans do not have prepayment penalties. Borrowers can make additional payments or pay off their FHA loans early without facing any financial penalties.