CA mortgage rates

San Mateo County

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

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Refinance Payment Estimate

Estimate Your Refinance in San Mateo 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 Mateo

A local view of the market.

San Mateo County, CA, has a high-demand real estate market with median home values around $1.6 million in 2024. Its proximity to Silicon Valley and San Francisco drives high demand among professionals. Daly City, the largest city, has a population of around 107,000, while Redwood City and San Mateo each have populations around 85,000 and 105,000, respectively. San Mateo County offers a suburban-urban mix, with an economy based on technology, healthcare, and retail. Known for its affluent neighborhoods and proximity to major tech hubs, the area appeals to professionals seeking upscale living with easy access to Silicon Valley and scenic coastal views.

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 communitiesSan Carlos · Pacifica · DalyFrom the county record
Data year2026Aligned with this limit record
San CarlosPacificaDaly
Top cities & communities

Communities to explore.

San CarlosPacificaDalyBelmontFosterSan MateoSan BrunoBurlingameRedwoodEast Palo AltoSouth San FranciscoMenlo ParkMillbrae
Questions & Answers

Refinancing in San Mateo County

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

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