In Santa Clara County, California, the median home value of $1,490,600 is above the 2026 one-unit conforming loan limit of $1,249,125, so a buyer of a typical home needs at least $241,475 more than the loan cap (down payment or a jumbo loan); median household income is $164,281 (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) | $1,490,600 |
| California median home value | $734,700 |
| Limit ÷ median home value | 0.84× |
| Median household income | $164,281 |
| Median home value ÷ income | 9.1× |
| Population | 1,902,047 |
| Median property tax paid (owners) | $10,001 |
| Effective property tax rate (approx.) | 0.67% |
| Owner-occupied homes | 55.1% |
| Home value rank in California | 3 of 58 counties |
| Neighbor: Alameda County, CA | limit $1,249,125; median home $1,090,100 |
| Neighbor: Merced County, CA | limit $832,750; median home $391,800 |
| Neighbor: San Benito County, CA | limit $1,249,125; median home $793,400 |
| Neighbor: San Mateo County, CA | limit $1,249,125; median home $1,559,600 |
| Neighbor: Santa Cruz County, CA | limit $1,249,125; median home $1,027,500 |
| Neighbor: Stanislaus County, CA | limit $832,750; median home $450,100 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Santa Clara County's median home value is 103% above the state median of $734,700 (rank 3 of 58). Among its 6 neighboring counties, San Mateo County has the highest median home value ($1,559,600) and Merced County the lowest ($391,800); 2 neighbor(s) have a different loan limit. Owners pay a median $10,001 a year in property tax, an effective rate of about 0.67% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.