San Benito County, California has a 2026 one-unit conforming loan limit of $1,249,125, which is 1.6 times the county's median home value of $793,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $114,394 (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) | $793,400 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.57× |
| Median household income | $114,394 |
| Median home value ÷ income | 6.9× |
| Population | 67,290 |
| Median property tax paid (owners) | $6,441 |
| Effective property tax rate (approx.) | 0.81% |
| Owner-occupied homes | 67.9% |
| Home value rank in California | 15 of 58 counties |
| Neighbor: Fresno County, CA | limit $832,750; median home $388,800 |
| Neighbor: Merced County, CA | limit $832,750; median home $391,800 |
| Neighbor: Monterey County, CA | limit $994,750; median home $781,000 |
| Neighbor: Santa Clara County, CA | limit $1,249,125; median home $1,490,600 |
| 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. San Benito County's median home value is 8% above the state median of $734,700 (rank 15 of 58). Among its 5 neighboring counties, Santa Clara County has the highest median home value ($1,490,600) and Fresno County the lowest ($388,800); 3 neighbor(s) have a different loan limit. Owners pay a median $6,441 a year in property tax, an effective rate of about 0.81% 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: Saluda County, SC
- 2026 conforming loan limit: Sampson County, NC
- 2026 conforming loan limit: San Augustine County, TX
- 2026 conforming loan limit: San Bernardino County, CA
- 2026 conforming loan limit: San Diego County, CA
- 2026 conforming loan limit: San Francisco County, CA
- 2026 conforming loan limit: San German Municipio, PR
- 2026 conforming loan limit: San Jacinto County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.