CA mortgage rates

Stanislaus County

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

Stanislaus 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$545,100
2 units$697,800
3 units$843,500
4 units$1,048,300

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 Stanislaus 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 Stanislaus

A local view of the market.

Stanislaus County, CA, has a stable real estate market with median home values around $510,000 in 2024. Known for its affordability, it attracts families and commuters working in the Bay Area. Modesto, the largest city, has a population of about 218,000, while Turlock and Ceres are also notable cities with populations of 74,000 and 49,000, respectively. Stanislaus County offers a suburban-rural mix with an economy based on agriculture, retail, and healthcare. Its affordability, family-friendly communities, and proximity to major employment hubs appeal to a diverse population.

County snapshot

Market context.

CA

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

Market areaModestoMapped market area
Area code33700CBSA / MSA reference
Featured communitiesTurlock · Patterson · OakdaleFrom the county record
Data year2026Aligned with this limit record
TurlockPattersonOakdale
Top cities & communities

Communities to explore.

TurlockPattersonOakdaleCeresRiverbankModesto
Questions & Answers

Refinancing in Stanislaus County

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

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