Sonoma County, California has a 2026 one-unit conforming loan limit of $897,000, which is 1.1 times the county's median home value of $815,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $104,674 (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) | $897,000 |
| 2-unit limit | $1,148,350 |
| 3-unit limit | $1,388,050 |
| 4-unit limit | $1,725,050 |
| Median home value (ACS 2020–24) | $815,500 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.10× |
| Median household income | $104,674 |
| Median home value ÷ income | 7.8× |
| Population | 485,040 |
| Median property tax paid (owners) | $5,695 |
| Effective property tax rate (approx.) | 0.70% |
| Owner-occupied homes | 62.6% |
| Home value rank in California | 14 of 58 counties |
| Neighbor: Contra Costa County, CA | limit $1,249,125; median home $866,800 |
| Neighbor: Lake County, CA | limit $832,750; median home $324,300 |
| Neighbor: Marin County, CA | limit $1,249,125; median home $1,507,300 |
| Neighbor: Mendocino County, CA | limit $832,750; median home $512,200 |
| Neighbor: Napa County, CA | limit $1,017,750; median home $869,500 |
| Neighbor: Solano County, CA | limit $832,750; median home $617,700 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Sonoma County's median home value is 11% above the state median of $734,700 (rank 14 of 58). Among its 6 neighboring counties, Marin County has the highest median home value ($1,507,300) and Lake County the lowest ($324,300); 6 neighbor(s) have a different loan limit. Owners pay a median $5,695 a year in property tax, an effective rate of about 0.70% 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.