In San Francisco County, California, the median home value of $1,394,500 is above the 2026 one-unit conforming loan limit of $1,249,125, so a buyer of a typical home needs at least $145,375 more than the loan cap (down payment or a jumbo loan); median household income is $140,970 (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) | $1,394,500 |
| California median home value | $734,700 |
| Limit ÷ median home value | 0.90× |
| Median household income | $140,970 |
| Median home value ÷ income | 9.9× |
| Population | 830,235 |
| Median property tax paid (owners) | $9,862 |
| Effective property tax rate (approx.) | 0.71% |
| Owner-occupied homes | 38.2% |
| Home value rank in California | 4 of 58 counties |
| Neighbor: Alameda County, CA | limit $1,249,125; median home $1,090,100 |
| Neighbor: Contra Costa County, CA | limit $1,249,125; median home $866,800 |
| Neighbor: Marin County, CA | limit $1,249,125; median home $1,507,300 |
| Neighbor: San Mateo County, CA | limit $1,249,125; median home $1,559,600 |
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 Francisco County's median home value is 90% above the state median of $734,700 (rank 4 of 58). Among its 4 neighboring counties, San Mateo County has the highest median home value ($1,559,600) and Contra Costa County the lowest ($866,800); all share the same loan limit. Owners pay a median $9,862 a year in property tax, an effective rate of about 0.71% 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 Benito County, CA
- 2026 conforming loan limit: San Bernardino County, CA
- 2026 conforming loan limit: San Diego 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
- 2026 conforming loan limit: San Juan County, NM
Last updated 2026-10-16. Data only, not financial or tax advice.