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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Mortgage Rates in California | Refinance Rates | HSH Lender Showcase

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Displaying Today's Mortgage Rates for a $450,000 Refinance loan.
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California Mortgages

From San Diego to Eureka, California home prices are famously high. That's why housing affordability can hinge on finding the lowest CA mortgage rates available from competing lenders.

HSH.com's data on current CA mortgage rates--available statewide and by metro area--can help you conduct preliminary research on home affordability and evaluate mortgage deals from various lenders.

California conventional mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for California

County Name One Family Two Family Three Family Four Family
Alameda County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Alpine County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Amador County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Butte County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Calaveras County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Colusa County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Contra Costa County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Del Norte County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
El Dorado County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fresno County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Glenn County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Humboldt County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Imperial County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Inyo County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kern County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kings County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lake County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lassen County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Los Angeles County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Madera County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Marin County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Mariposa County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mendocino County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Merced County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Modoc County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mono County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Monterey County One Family$920,000 Two Family$1,177,750 Three Family$1,423,650 Four Family$1,769,250
Napa County One Family$1,017,750 Two Family$1,302,900 Three Family$1,574,900 Four Family$1,957,250
Nevada County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Orange County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Placer County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Plumas County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Riverside County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sacramento County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
San Benito County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
San Bernardino County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
San Diego County One Family$1,006,250 Two Family$1,288,200 Three Family$1,557,150 Four Family$1,935,150
San Francisco County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
San Joaquin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
San Luis Obispo County One Family$929,200 Two Family$1,189,550 Three Family$1,437,900 Four Family$1,786,950
San Mateo County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Santa Barbara County One Family$838,350 Two Family$1,073,250 Three Family$1,297,300 Four Family$1,612,250
Santa Clara County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Santa Cruz County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Shasta County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sierra County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Siskiyou County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Solano County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sonoma County One Family$877,450 Two Family$1,123,300 Three Family$1,357,800 Four Family$1,687,450
Stanislaus County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sutter County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Tehama County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Trinity County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Tulare County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Tuolumne County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ventura County One Family$954,500 Two Family$1,221,950 Three Family$1,477,050 Four Family$1,835,600
Yolo County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Yuba County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
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