El Dorado County, California has a 2026 one-unit conforming loan limit of $832,750, which is 1.2 times the county's median home value of $679,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $108,845 (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) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $679,900 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.22× |
| Median household income | $108,845 |
| Median home value ÷ income | 6.2× |
| Population | 192,662 |
| Median property tax paid (owners) | $4,753 |
| Effective property tax rate (approx.) | 0.70% |
| Owner-occupied homes | 77.2% |
| Home value rank in California | 19 of 58 counties |
| Neighbor: Alpine County, CA | limit $832,750; median home $590,200 |
| Neighbor: Amador County, CA | limit $832,750; median home $449,800 |
| Neighbor: Placer County, CA | limit $832,750; median home $688,100 |
| Neighbor: Sacramento County, CA | limit $832,750; median home $534,200 |
| Neighbor: Douglas County, NV | limit $832,750; median home $615,400 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. El Dorado County's median home value is 7% below the state median of $734,700 (rank 19 of 58). Among its 5 neighboring counties, Placer County has the highest median home value ($688,100) and Amador County the lowest ($449,800); all share the same loan limit. Owners pay a median $4,753 a year in property tax, an effective rate of about 0.70% 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.
Related
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Last updated 2026-10-16. Data only, not financial or tax advice.