San Diego County, California has a 2026 one-unit conforming loan limit of $1,104,000, which is 1.3 times the county's median home value of $854,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $106,268 (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) | $1,104,000 |
| 2-unit limit | $1,413,350 |
| 3-unit limit | $1,708,400 |
| 4-unit limit | $2,123,100 |
| Median home value (ACS 2020–24) | $854,700 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.29× |
| Median household income | $106,268 |
| Median home value ÷ income | 8.0× |
| Population | 3,288,774 |
| Median property tax paid (owners) | $5,774 |
| Effective property tax rate (approx.) | 0.68% |
| Owner-occupied homes | 54.6% |
| Home value rank in California | 10 of 58 counties |
| Neighbor: Imperial County, CA | limit $832,750; median home $309,600 |
| Neighbor: Orange County, CA | limit $1,249,125; median home $962,600 |
| Neighbor: Riverside County, CA | limit $832,750; median home $557,300 |
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 Diego County's median home value is 16% above the state median of $734,700 (rank 10 of 58). Among its 3 neighboring counties, Orange County has the highest median home value ($962,600) and Imperial County the lowest ($309,600); 3 neighbor(s) have a different loan limit. Owners pay a median $5,774 a year in property tax, an effective rate of about 0.68% 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: San Augustine County, TX
- 2026 conforming loan limit: San Benito County, CA
- 2026 conforming loan limit: San Bernardino 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
- 2026 conforming loan limit: San Joaquin County, CA
- 2026 conforming loan limit: San Juan County, CO
Last updated 2026-10-16. Data only, not financial or tax advice.