CA mortgage rates

Contra Costa County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Contra Costa County, California. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

Get Free Refinance Alerts Check a live rate
Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Contra Costa County

Conforming Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

View all California counties
Refinance Payment Estimate

Estimate Your Refinance in Contra Costa County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
Get Free Rate Alerts

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Contra Costa

A local view of the market.

Contra Costa County, CA, has a highly competitive real estate market, with median home values around $790,000 in 2024. Its proximity to San Francisco and Silicon Valley makes it a popular location for commuters and families. Concord, the largest city, has a population of about 125,000. Richmond (116,000) and Walnut Creek (70,000) are also significant cities within the county. Contra Costa County offers a suburban-urban mix, with a strong economy centered on technology, healthcare, and retail. Known for its scenic bay views, parks, and strong community services, it attracts families and professionals who value a balance of city amenities and outdoor access.

County snapshot

Market context.

CA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaSan Francisco-Oakland-BerkeleyMapped market area
Area code41860CBSA / MSA reference
Featured communitiesDanville · San Pablo · MartinezFrom the county record
Data year2026Aligned with this limit record
DanvilleSan PabloMartinez
Top cities & communities

Communities to explore.

DanvilleSan PabloMartinezRichmondWalnut CreekAntiochHerculesPittsburgSan RamonEl CerritoBrentwoodLafayetteOakleyConcordPleasant Hill
Questions & Answers

Refinancing in Contra Costa County

Common questions about 2026 loan limits and refinancing opportunities in California.

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.

Get Free Refinance Alerts Get a Live Rate Quote