CA mortgage rates

Sonoma County

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

Sonoma County

Conforming Loan Limits

Per property
1 unit$897,000
2 units$1,148,350
3 units$1,388,050
4 units$1,725,050

FHA Loan Limits

Per property
1 unit$897,000
2 units$1,148,350
3 units$1,388,050
4 units$1,725,050

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 Sonoma 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 Sonoma

A local view of the market.

Sonoma County, CA, has a competitive real estate market with median home values around $904,000 in 2024. Its famous wine country makes it a popular destination among affluent buyers and tourists. Santa Rosa, the largest city, has a population of around 178,000, while smaller towns like Sonoma and Healdsburg are known for wineries. Sonoma County offers a rural-suburban lifestyle with an economy centered on wine production, tourism, and small businesses. Its scenic vineyards, upscale communities, and laid-back vibe attract residents seeking a relaxed lifestyle in California’s wine country.

County snapshot

Market context.

CA

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

Market areaSanta Rosa-PetalumaMapped market area
Area code42220CBSA / MSA reference
Featured communitiesRohnert Park · Windsor · PetalumaFrom the county record
Data year2026Aligned with this limit record
Rohnert ParkWindsorPetaluma
Top cities & communities

Communities to explore.

Rohnert ParkWindsorPetalumaSanta Rosa
Questions & Answers

Refinancing in Sonoma County

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

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