In San Mateo County, California, the median home value of $1,559,600 is above the 2026 one-unit conforming loan limit of $1,249,125, so a buyer of a typical home needs at least $310,475 more than the loan cap (down payment or a jumbo loan); median household income is $158,855 (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) | $1,559,600 |
| California median home value | $734,700 |
| Limit ÷ median home value | 0.80× |
| Median household income | $158,855 |
| Median home value ÷ income | 9.8× |
| Population | 742,340 |
| Median property tax paid (owners) | $9,519 |
| Effective property tax rate (approx.) | 0.61% |
| Owner-occupied homes | 58.5% |
| Home value rank in California | 1 of 58 counties |
| Neighbor: Alameda County, CA | limit $1,249,125; median home $1,090,100 |
| Neighbor: San Francisco County, CA | limit $1,249,125; median home $1,394,500 |
| 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 Mateo County's median home value is 112% above the state median of $734,700 (rank 1 of 58). Among its 4 neighboring counties, Santa Clara County has the highest median home value ($1,490,600) and Santa Cruz County the lowest ($1,027,500); all share the same loan limit. Owners pay a median $9,519 a year in property tax, an effective rate of about 0.61% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.