Orange County, California has a 2026 one-unit conforming loan limit of $1,249,125, which is 1.3 times the county's median home value of $962,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $116,289 (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) | $962,600 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.30× |
| Median household income | $116,289 |
| Median home value ÷ income | 8.3× |
| Population | 3,165,820 |
| Median property tax paid (owners) | $6,330 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 56.4% |
| Home value rank in California | 7 of 58 counties |
| Neighbor: Los Angeles County, CA | limit $1,249,125; median home $834,200 |
| Neighbor: Riverside County, CA | limit $832,750; median home $557,300 |
| Neighbor: San Bernardino County, CA | limit $832,750; median home $505,000 |
| Neighbor: San Diego County, CA | limit $1,104,000; median home $854,700 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Orange County's median home value is 31% above the state median of $734,700 (rank 7 of 58). Among its 4 neighboring counties, San Diego County has the highest median home value ($854,700) and San Bernardino County the lowest ($505,000); 3 neighbor(s) have a different loan limit. Owners pay a median $6,330 a year in property tax, an effective rate of about 0.66% 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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- 2026 conforming loan limit: Orange County, NC
- 2026 conforming loan limit: Orange County, NY
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Last updated 2026-10-16. Data only, not financial or tax advice.