CA mortgage rates

San Diego County

Clear, current 2026 mortgage and refinance loan limits for homeowners in San Diego 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

San Diego County

Conforming Loan Limits

Per property
1 unit$1,104,000
2 units$1,413,350
3 units$1,708,400
4 units$2,123,100

FHA Loan Limits

Per property
1 unit$1,104,000
2 units$1,413,350
3 units$1,708,400
4 units$2,123,100

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 San Diego 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 San Diego

A local view of the market.

San Diego County, CA, has a high-demand real estate market, with median home values around $956,000 in 2024. The county’s coastal location, climate, and economy make it desirable among families and professionals. San Diego, the largest city, has a population of around 1.4 million, while Chula Vista and Oceanside have populations of about 275,000 and 175,000, respectively. San Diego County offers an urban-suburban lifestyle with a strong economy centered on military, tourism, and biotechnology. Known for its beaches, scenic views, and mild climate, the area attracts residents seeking Southern California living with a mix of city and coastal 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 areaSan Diego-Chula Vista-CarlsbadMapped market area
Area code41740CBSA / MSA reference
Featured communitiesPoway · San Marcos · La MesaFrom the county record
Data year2026Aligned with this limit record
PowaySan MarcosLa Mesa
Top cities & communities

Communities to explore.

PowaySan MarcosLa MesaEl CajonOceansideImperial BeachEncinitasVistaLemon GroveCoronadoEscondidoSan DiegoChula VistaCarlsbadNationalSantee
Questions & Answers

Refinancing in San Diego County

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

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