Monterey County, California has a 2026 one-unit conforming loan limit of $994,750, which is 1.3 times the county's median home value of $781,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $97,230 (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) | $994,750 |
| 2-unit limit | $1,273,450 |
| 3-unit limit | $1,539,350 |
| 4-unit limit | $1,913,000 |
| Median home value (ACS 2020–24) | $781,000 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.27× |
| Median household income | $97,230 |
| Median home value ÷ income | 8.0× |
| Population | 437,613 |
| Median property tax paid (owners) | $4,910 |
| Effective property tax rate (approx.) | 0.63% |
| Owner-occupied homes | 52.1% |
| Home value rank in California | 17 of 58 counties |
| Neighbor: Fresno County, CA | limit $832,750; median home $388,800 |
| Neighbor: Kings County, CA | limit $832,750; median home $324,300 |
| Neighbor: San Benito County, CA | limit $1,249,125; median home $793,400 |
| Neighbor: San Luis Obispo County, CA | limit $1,000,500; median home $824,700 |
| Neighbor: Santa Cruz County, CA | limit $1,249,125; median home $1,027,500 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Monterey County's median home value is 6% above the state median of $734,700 (rank 17 of 58). Among its 5 neighboring counties, Santa Cruz County has the highest median home value ($1,027,500) and Kings County the lowest ($324,300); 5 neighbor(s) have a different loan limit. Owners pay a median $4,910 a year in property tax, an effective rate of about 0.63% 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.