Sacramento County, California has a 2026 one-unit conforming loan limit of $832,750, which is 1.6 times the county's median home value of $534,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $92,175 (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) | $534,200 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.56× |
| Median household income | $92,175 |
| Median home value ÷ income | 5.8× |
| Population | 1,594,006 |
| Median property tax paid (owners) | $3,921 |
| Effective property tax rate (approx.) | 0.73% |
| Owner-occupied homes | 59.0% |
| Home value rank in California | 26 of 58 counties |
| Neighbor: Amador County, CA | limit $832,750; median home $449,800 |
| Neighbor: Contra Costa County, CA | limit $1,249,125; median home $866,800 |
| Neighbor: El Dorado County, CA | limit $832,750; median home $679,900 |
| Neighbor: Placer County, CA | limit $832,750; median home $688,100 |
| Neighbor: San Joaquin County, CA | limit $832,750; median home $530,700 |
| Neighbor: Solano County, CA | limit $832,750; median home $617,700 |
| Neighbor: Sutter County, CA | limit $832,750; median home $433,500 |
| Neighbor: Yolo County, CA | limit $832,750; median home $620,700 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Sacramento County's median home value is 27% below the state median of $734,700 (rank 26 of 58). Among its 8 neighboring counties, Contra Costa County has the highest median home value ($866,800) and Sutter County the lowest ($433,500); 1 neighbor(s) have a different loan limit. Owners pay a median $3,921 a year in property tax, an effective rate of about 0.73% 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: Sabine County, TX
- 2026 conforming loan limit: Sabine Parish, LA
- 2026 conforming loan limit: Sac County, IA
- 2026 conforming loan limit: Sagadahoc County, ME
- 2026 conforming loan limit: Saginaw County, MI
- 2026 conforming loan limit: Saguache County, CO
- 2026 conforming loan limit: Saipan Municipality, MP
- 2026 conforming loan limit: Salem City, VA
Last updated 2026-10-16. Data only, not financial or tax advice.