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Updated: December 2, 2024
2025 Mortgage Loan Limits: Sonoma County, California
Property Type
2025 Loan Limit
1-Unit Homes
$897,000
2-Unit Homes
$1,148,350
3-Unit Homes
$1,388,050
4-Unit Homes
$1,725,050
Source: Federal Housing Finance Agency; Federal Housing Administration
Sonoma County, California, mortgage loan limits apply in:
Sonoma County 2025 mortgage loan limits include the following cities: Bloomfield, Bodega, Bodega Bay, Boyes Hot Springs, Carmet, Cazadero, Cloverdale, Cotati, Eldridge, El Verano, Fetters Hot Springs-Agua Caliente, Forestville, Fulton, Geyserville, Glen Ellen, Graton, Guerneville, Healdsburg, Jenner, Kenwood, Larkfield-Wikiup, Monte Rio, Occidental, Penngrove, Petaluma, Petaluma Center, Rohnert Park, Salmon Creek, Santa Rosa, Sea Ranch, Sebastopol, Sereno del Mar, Sonoma, Sonoma State University, Temelec, Timber Cove, Valley Ford, Windsor
Historical Charts: Mortgage Loan Limits in Sonoma County, California
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Sonoma County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from Sonoma County, California
Mortgage statistics for Sonoma 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.
Mortgages
Total
Purchase Mortgages (2018-2023)
22901
Loan Type
Relative Share
Conventional
89.25%
FHA
7.71%
VA
2.99%
USDA
0.06%
Property Type
Relative Share
1-Unit Homes
98.14%
2-Unit Homes
1.45%
3-Unit Homes
0.26%
4-Unit Homes
0.15%
Borrower Status
Relative Share
One Applicant
38.46%
Two or More Applicants
61.54%
Gender
Relative Share
Male
23.31%
Female
20.06%
Joint Sex
49.82%
Not Available
6.81%
Race
Relative Share
American Indian / Alaska Native
0.59%
Asian
5.70%
Black / African American
0.88%
Native Hawaiian / Other Pacific Islander
0.19%
White
67.90%
Mixed Race
4.71%
Other Race
20.03%
Ethnicity
Relative Share
Hispanic or Latino
11.27%
Not Hispanic or Latino
65.22%
Joint Ethnicity
4.48%
Other Ethnicity
19.04%
Sonoma 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 Sonoma County, California
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Sonoma County, California. Local loan limits and county-level mortgage data updated regularly.
