California · 2026 limits
Monterey County loan limits 2026
$994,750
conforming loan limit for a one-unit home in Monterey County, California, 2026
High-cost +$24,150 (+2.5%) from $970,600 in 2025
The largest loan Fannie Mae or Freddie Mac can buy here. It caps the loan, not the home price. Informational only, not lending advice.
The four limits, drawn to scale
Height = 2026 conforming limit, dollars. High-cost area: set from 115% of the area's median home value (FHFA never lowers a county's limit), above the $832,750 baseline and under the $1,249,125 ceiling.
2026 limit hereceiling (150% of baseline)baseline
Table
| Units | 2026 limit | 2025 limit | Change | Baseline | Ceiling |
|---|---|---|---|---|---|
| 1 unit | $994,750 | $970,600 | +$24,150 (+2.5%) | $832,750 | $1,249,125 |
| 2 units | $1,273,450 | $1,242,550 | +$30,900 (+2.5%) | $1,066,250 | $1,599,375 |
| 3 units | $1,539,350 | $1,501,950 | +$37,400 (+2.5%) | $1,288,800 | $1,933,200 |
| 4 units | $1,913,000 | $1,866,600 | +$46,400 (+2.5%) | $1,601,750 | $2,402,625 |
Source: FHFA 2026 and 2025 county loan limit files.
FHA loan limit in Monterey County
HUD sets FHA limits separately. For 2026, every county's one-unit FHA limit is between the floor of $541,287 and the ceiling of $1,249,125. We do not publish HUD's county figure here; HUD's own lookup has the exact 2026 FHA limit for Monterey County, California.
Check Monterey County on HUD's FHA lookup
On HUD's page choose California, then Monterey County, and the limit type "FHA Forward". How FHA limits work →
Other counties in California
Questions
What is the 2026 conforming loan limit in Monterey County?
$994,750 for a one-unit home. For 2, 3 and 4 units it is $1,273,450, $1,539,350 and $1,913,000. These are FHFA's 2026 limits for loans Fannie Mae and Freddie Mac can buy.
Is Monterey County a high-cost area?
Yes. High-cost area: set from 115% of the area's median home value (FHFA never lowers a county's limit), above the $832,750 baseline and under the $1,249,125 ceiling.
What is the jumbo loan threshold in Monterey County?
A one-unit loan above $994,750 is larger than the conforming limit, so it is a jumbo loan. For a fourplex the line is $1,913,000.
What is the FHA loan limit in Monterey County for 2026?
HUD sets it separately. Every county's one-unit FHA limit for 2026 is between $541,287 and $1,249,125; HUD's FHA Mortgage Limits lookup has the exact figure for Monterey County.
When will the 2027 limits for Monterey County be published?
FHFA announces the next year's limits at the end of November, and they take effect on January 1. This page is updated when the 2027 file is released.
Sources
- U.S. Federal Housing Finance Agency, Conforming Loan Limit Values, 2026 full county loan limit list (HERA-based, final, flat file; 3,235 county rows; downloaded November 1, 2026)
- FHFA, 2025 full county loan limit list (3,234 county rows), used for year-over-year change
- FHFA, Conforming Loan Limit Values FAQs (updated November 2025)
- U.S. Department of Housing and Urban Development, HUD's Federal Housing Administration Announces 2026 Loan Limits (December 11, 2025) and Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits
- HUD, FHA Mortgage Limits lookup (exact FHA limit by county and metro area)
Figures as published by the agencies. See sources and method.