CA mortgage rates

Placer County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Placer 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.

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2026 limits

2026 Mortgage Loan Limits

Placer County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$764,750
2 units$979,000
3 units$1,183,400
4 units$1,470,700

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

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Refinance Payment Estimate

Estimate Your Refinance in Placer 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Placer

A local view of the market.

Placer County, CA, has a competitive real estate market, with median home values around $737,000 in 2024. Its proximity to Sacramento and Lake Tahoe drives demand among families and outdoor enthusiasts. Roseville, the largest city, has a population of about 150,000, followed by Rocklin with around 70,000 residents. Placer County offers a suburban-rural mix, with a strong economy in retail, healthcare, and tourism. Its scenic foothills, recreational opportunities, and family-friendly communities attract residents seeking a balanced lifestyle with access to both urban and outdoor amenities.

County snapshot

Market context.

CA

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

Market areaSacramento-Roseville-FolsomMapped market area
Area code40900CBSA / MSA reference
Featured communitiesRocklin · Lincoln · RosevilleFrom the county record
Data year2026Aligned with this limit record
RocklinLincolnRoseville
Top cities & communities

Communities to explore.

RocklinLincolnRoseville
Questions & Answers

Refinancing in Placer County

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

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