CA mortgage rates

Santa Clara County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Santa Clara 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

Santa Clara 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 Santa Clara 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 Santa Clara

A local view of the market.

Santa Clara County, CA, has a highly competitive real estate market, with median home values around $1.4 million in 2024. As the heart of Silicon Valley, it’s a major hub for tech professionals. San Jose, the largest city, has a population of around 1 million, while other cities like Sunnyvale and Palo Alto have significant populations and economic activity. Santa Clara County offers an urban-suburban lifestyle with an economy centered on technology, healthcare, and education. Its proximity to major tech companies and affluent communities attract professionals seeking high-quality suburban living with access to top employment opportunities.

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 Jose-Sunnyvale-Santa ClaraMapped market area
Area code41940CBSA / MSA reference
Featured communitiesMountain View · Santa Clara · SaratogaFrom the county record
Data year2026Aligned with this limit record
Mountain ViewSanta ClaraSaratoga
Top cities & communities

Communities to explore.

Mountain ViewSanta ClaraSaratogaMilpitasSunnyvaleCupertinoCampbellLos AltosPalo AltoMorgan HillSan JoseGilroyLos Gatos
Questions & Answers

Refinancing in Santa Clara County

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

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