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Find the mortgage loan limits for any U.S. address
2023 Mortgage Loan Limits for San Diego County, California
Conforming Loans
FHA Loans
Property Type
2023 Loan Limit
1-Unit Homes
$977,500
2-Unit Homes
$1,251,400
3-Unit Homes
$1,512,650
4-Unit Homes
$1,879,850
Property Type
2023 Loan Limit
1-Unit Homes
$977,500
2-Unit Homes
$1,251,400
3-Unit Homes
$1,512,650
4-Unit Homes
$1,879,850
Source: Federal Housing Finance Agency; Federal Housing Administration
San Diego County, California, mortgage loan limits apply in:
San Diego County 2023 mortgage loan limits include the following cities: Alpine, Bonita, Bonsall, Borrego Springs, Bostonia, Boulevard, Campo, Camp Pendleton Mainside, Camp Pendleton South, Carlsbad, Casa de Oro-Mount Helix, Chula Vista, Coronado, Crest, Del Dios, Del Mar, Descanso, El Cajon, Elfin Forest, Encinitas, Escondido, Eucalyptus Hills, Fairbanks Ranch, Fallbrook, Granite Hills, Harbison Canyon, Harmony Grove, Hidden Meadows, Imperial Beach, Jacumba, Jamul, Julian, Lake San Marcos, Lakeside, La Mesa, La Presa, Lemon Grove, Mount Laguna, National City, Oceanside, Pala, Pine Valley, Potrero, Poway, Rainbow, Ramona, Rancho San Diego, Rancho Santa Fe, San Diego, San Diego Country Estates, San Marcos, Santee, Solana Beach, Spring Valley, Valley Center, Vista, Winter Gardens
What is a mortgage loan limit?
Mortgage loan limits are the upper boundaries for how much a home buyer can borrow on a mortgage. Loan limits vary by county and home type.
The Federal Housing Finance Agency (FHFA) sets mortgage loan limits for conforming mortgages and the Federal Housing Administration (FHA) sets loan limits for FHA mortgages. In San Diego County, the 2023 conforming mortgage loan limit for a 1-unit home is $977,500. The 2023 FHA mortgage loan limit for a 1-unit home is $977,500.
Conforming and FHA mortgage loan limits change annually to reflect changes in local and national home values. Loans that exceed conforming loan limit sizes are commonly called jumbo mortgages. As of 2023, there are no mortgage loan limits for VA loans or USDA loans.
Is Now A Good Time To Buy A House [September 2023]
Video Length: 10:25
Mortgage Loan Limits Near San Diego County, California
Get 2023 conforming and FHA mortgage loan limits for the areas surrounding San Diego County, California. Local loan limits and county-level mortgage data updated regularly.
Historical Charts: Mortgage Loan Limits in San Diego County, California
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in San Diego County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Conforming Loans
FHA Loans
Mortgage Statistics from San Diego County, California
Mortgage statistics for San Diego County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
San Diego County, California (2018-2022)
Loan Type
Relative Share
Conventional
72.77%
FHA
8.78%
VA
18.34%
USDA
0.11%
Property Type
Relative Share
1-Unit Homes
98.46%
2-Unit Homes
1.10%
3-Unit Homes
0.25%
4-Unit Homes
0.20%
Borrower Status
Relative Share
One Borrower
10.43%
Two or More Borrowers
89.57%
Gender
Relative Share
Male
60.75%
Female
26.10%
Not Specified
13.15%
Race
Relative Share
American Indian / Alaska Native
0.54%
Asian
15.64%
Black / African American
3.20%
Native Hawaiian / Other Pacific Islander
0.52%
White
73.98%
Other
6.13%
Ethnicity
Relative Share
Hispanic or Latino
17.47%
Not Hispanic or Latino
76.23%
San Diego County data represents closed-end, first-lien purchase mortgages for residential properties, 1-4 units, for the 5-year period 2018-2022. Source: FFEIC Home Mortgage Disclosure Act
Mortgage Statistics Near San Diego County, California
Get mortgage statistics for the areas surrounding San Diego County, California.
See Today’s Mortgage Rates in San Diego County, California
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