Santa Cruz County, California has a 2026 one-unit conforming loan limit of $1,249,125, which is 1.2 times the county's median home value of $1,027,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $111,093 (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) | $1,027,500 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.22× |
| Median household income | $111,093 |
| Median home value ÷ income | 9.2× |
| Population | 264,926 |
| Median property tax paid (owners) | $6,538 |
| Effective property tax rate (approx.) | 0.64% |
| Owner-occupied homes | 59.9% |
| Home value rank in California | 6 of 58 counties |
| Neighbor: Monterey County, CA | limit $994,750; median home $781,000 |
| 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 Clara County, CA | limit $1,249,125; median home $1,490,600 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Santa Cruz County's median home value is 40% above the state median of $734,700 (rank 6 of 58). Among its 4 neighboring counties, San Mateo County has the highest median home value ($1,559,600) and Monterey County the lowest ($781,000); 1 neighbor(s) have a different loan limit. Owners pay a median $6,538 a year in property tax, an effective rate of about 0.64% 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: Santa Barbara County, CA
- 2026 conforming loan limit: Santa Clara County, CA
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- 2026 conforming loan limit: Santa Isabel Municipio, PR
- 2026 conforming loan limit: Santa Rosa County, FL
- 2026 conforming loan limit: Sarasota County, FL
- 2026 conforming loan limit: Saratoga County, NY
Last updated 2026-10-16. Data only, not financial or tax advice.