Kern County, California has a 2026 one-unit conforming loan limit of $832,750, which is 2.5 times the county's median home value of $338,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $70,210 (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) | $338,300 |
| California median home value | $734,700 |
| Limit ÷ median home value | 2.46× |
| Median household income | $70,210 |
| Median home value ÷ income | 4.8× |
| Population | 915,075 |
| Median property tax paid (owners) | $2,984 |
| Effective property tax rate (approx.) | 0.88% |
| Owner-occupied homes | 60.1% |
| Home value rank in California | 49 of 58 counties |
| Neighbor: Inyo County, CA | limit $832,750; median home $348,700 |
| Neighbor: Kings County, CA | limit $832,750; median home $324,300 |
| Neighbor: Los Angeles County, CA | limit $1,249,125; median home $834,200 |
| Neighbor: San Bernardino County, CA | limit $832,750; median home $505,000 |
| Neighbor: San Luis Obispo County, CA | limit $1,000,500; median home $824,700 |
| Neighbor: Santa Barbara County, CA | limit $941,850; median home $790,700 |
| Neighbor: Tulare County, CA | limit $832,750; median home $330,100 |
| Neighbor: Ventura County, CA | limit $1,035,000; median home $822,700 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Kern County's median home value is 54% below the state median of $734,700 (rank 49 of 58). Among its 8 neighboring counties, Los Angeles County has the highest median home value ($834,200) and Kings County the lowest ($324,300); 4 neighbor(s) have a different loan limit. Owners pay a median $2,984 a year in property tax, an effective rate of about 0.88% 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
- 2026 conforming loan limit: Kenton County, KY
- 2026 conforming loan limits in Kentucky by county
- 2026 conforming loan limit: Keokuk County, IA
- 2026 conforming loan limit: Kerr County, TX
- 2026 conforming loan limit: Kershaw County, SC
- 2026 conforming loan limit: Ketchikan Gateway Borough, AK
- 2026 conforming loan limit: Kewaunee County, WI
- 2026 conforming loan limit: Keweenaw County, MI
Last updated 2026-10-16. Data only, not financial or tax advice.