Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green (NMLS 227607) is a licensed mortgage professional who has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.

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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for Kern County, California

Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration

Kern County, California, mortgage loan limits apply in:

Kern County 2025 mortgage loan limits include the following cities: Alta Sierra, Arvin, Bakersfield, Bakersfield Country Club, Bear Valley Springs, Benton Park, Bodfish, Boron, Buttonwillow, California City, Casa Loma, Cherokee Strip, China Lake Acres, Choctaw Valley, Cottonwood, Delano, Derby Acres, Di Giorgio, Dustin Acres, East Bakersfield, East Niles, Edison, Edmundson Acres, Edwards AFB, El Adobe, Fairfax, Fellows, Ford City, Frazier Park, Fuller Acres, Glennville, Golden Hills, Goodmanville, Greenacres, Greenfield, Hillcrest, Inyokern, Johannesburg, Keene, Kernville, La Cresta, Lake Isabella, Lake of the Woods, Lakeside, Lamont, Lebec, Lost Hills, Maricopa, McFarland, McKittrick, Mettler, Mexican Colony, Mojave, Mountain Meadows, Mountain Mesa, North Edwards, Oildale, Olde Stockdale, Old River, Old Stine, Onyx, Pine Mountain Club, Potomac Park, Pumpkin Center, Randsburg, Rexland Acres, Ridgecrest, Ridgecrest Heights, Rivergrove, Rosamond, Rosedale, Shafter, Smith Corner, South Taft, Squirrel Mountain Valley, Stallion Springs, Stebbins, Taft, Taft Heights, Tarina, Tehachapi, Tupman, Valley Acres, Wasco, Weedpatch, Weldon, Wofford Heights, Woody
2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51

Historical Charts: Mortgage Loan Limits in Kern County, California

Kern County mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans
FHA Loans

Mortgage Statistics from Kern County, California

Kern County mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages
Total
Purchase Mortgages (2018-2023)
49,647
Loan Type
Relative Share
Conventional
57.85%
FHA
31.63%
VA
9.36%
USDA
1.16%
Property Type
Relative Share
1-Unit Homes
98.08%
2-Unit Homes
1.06%
3-Unit Homes
0.28%
4-Unit Homes
0.58%
Borrower Status
Relative Share
One Applicant
57.40%
Two or More Applicants
42.60%
Gender
Relative Share
Male
38.70%
Female
20.93%
Joint Sex
35.86%
Not Available
4.51%
Race
Relative Share
American Indian / Alaska Native
0.73%
Asian
6.88%
Black / African American
3.31%
Native Hawaiian / Other Pacific Islander
0.22%
White
69.72%
Mixed Race
2.27%
Other Race
16.86%
Ethnicity
Relative Share
Hispanic or Latino
39.06%
Not Hispanic or Latino
43.84%
Joint Ethnicity
3.86%
Other Ethnicity
13.24%
Kern County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Kern County, California

2025 conforming and FHA mortgage loan limits for for the areas surrounding Kern County, California. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Inyo County, California
Kings County, California
Los Angeles County, California
San Bernardino County, California
San Luis Obispo County, California
Santa Barbara County, California
Tulare County, California
Ventura County, California
National Data

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