San Mateo County, CA
San Mateo County 2026 loan limits. $1,249,125
The 2026 conforming loan limit for San Mateo County is $1,249,125 for a single-family home — here's exactly what that means for your purchase.
What is the 2026 conforming loan limit in San Mateo County, CA?
For a one-unit home in San Mateo County, the 2026 conforming loan limit is $1,249,125 — above the $832,750 national baseline, because San Mateo County is designated a high-cost area. A loan at or below $1,249,125 can typically be financed as a conventional conforming loan; borrowing above that figure generally means moving into jumbo territory, which carries its own underwriting guidelines. FHA's 2026 limit here is $1,249,125, the same ceiling. Exact eligibility depends on your full file — verify your scenario with a broker.
San Mateo County by unit count.
San Mateo County, California is a high-cost county for 2026 conforming loan limits. Its $1,249,125 ceiling sits above the $832,750 national baseline that applies to most of the country. Figures per the FHFA 2026 conforming loan limit list; verify your scenario with us.
FHA sets its own 2026 limit for San Mateo County: $1,249,125 for a single-family home, matching the conforming ceiling here exactly. Per HUD's 2026 FHA county limits.
Conforming, jumbo, or FHA?
Buying at or below $1,249,125 in San Mateo County keeps you in conventional conforming territory — generally the widest lender pool and the most competitive pricing. Cross above that number and you're shopping jumbo financing instead, which is common and workable, just governed by its own down payment and reserve guidelines. If a smaller down payment matters more than loan size, the FHA limit here is $1,249,125 — worth comparing against a conventional loan for the same purchase.
Where we work in San Mateo County.
Daly City, San Mateo, Redwood City, South San Francisco, San Bruno, Pacifica — all sit inside San Mateo County, so all of them use the $1,249,125 limit above. Every California city we cover →
San Mateo County loan limits: common questions
What's the 2026 conforming loan limit for a single-family home in San Mateo County, CA?
$1,249,125 for one unit, per FHFA's 2026 county loan limit list. San Mateo County is a high-cost area, so this sits above the $832,750 national baseline.
What are the 2026 conforming limits for 2-4 unit properties in San Mateo County?
Two-unit: $1,599,375. Three-unit: $1,933,200. Four-unit: $2,402,625. All per FHFA's 2026 county loan limit list.
What's the FHA loan limit in San Mateo County for 2026?
$1,249,125 for a single-family home, per HUD's 2026 county limits. That matches the conforming ceiling here exactly — common in high-cost counties.
Is San Mateo County, CA a high-cost area for mortgage purposes?
Yes. FHFA designates San Mateo County as high-cost for 2026, which is why its $1,249,125 conforming limit sits above the $832,750 national baseline.
What if I need to borrow more than the conforming limit in San Mateo County?
A loan above $1,249,125 in San Mateo County is a jumbo loan — it's a normal, common path for higher-priced purchases, just with its own down payment, credit, and reserve guidelines. We shop jumbo lenders the same way we shop conforming ones.
Conforming limits per the FHFA 2026 conforming loan limit list · FHA limits per HUD's 2026 county limits. General education, not a loan offer or a commitment to lend — every scenario differs. Choice Home Mortgage · NMLS #2629064 · CA DRE #01822046.
Ready to buy in San Mateo County?
Tell us your target price against the $1,249,125 limit — we'll tell you honestly whether you're conforming, high-balance, or jumbo, and shop lenders accordingly.