Contra Costa County, California has a 2026 one-unit conforming loan limit of $1,249,125, which is 1.4 times the county's median home value of $866,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $127,229 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $1,249,125 |
| 2-unit limit | $1,599,375 |
| 3-unit limit | $1,933,200 |
| 4-unit limit | $2,402,625 |
| Median home value (ACS 2020–24) | $866,800 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.44× |
| Median household income | $127,229 |
| Median home value ÷ income | 6.8× |
| Population | 1,165,012 |
| Median property tax paid (owners) | $7,156 |
| Effective property tax rate (approx.) | 0.83% |
| Owner-occupied homes | 68.0% |
| Home value rank in California | 9 of 58 counties |
| Neighbor: Alameda County, CA | limit $1,249,125; median home $1,090,100 |
| Neighbor: Marin County, CA | limit $1,249,125; median home $1,507,300 |
| Neighbor: Sacramento County, CA | limit $832,750; median home $534,200 |
| Neighbor: San Francisco County, CA | limit $1,249,125; median home $1,394,500 |
| Neighbor: San Joaquin County, CA | limit $832,750; median home $530,700 |
| Neighbor: Solano County, CA | limit $832,750; median home $617,700 |
| Neighbor: Sonoma County, CA | limit $897,000; median home $815,500 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Contra Costa County's median home value is 18% above the state median of $734,700 (rank 9 of 58). Among its 7 neighboring counties, Marin County has the highest median home value ($1,507,300) and San Joaquin County the lowest ($530,700); 4 neighbor(s) have a different loan limit. Owners pay a median $7,156 a year in property tax, an effective rate of about 0.83% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.