Loan limits, rates & mortgage calculator
What you can borrow in San Luis Obispo County before a loan becomes "jumbo," what rates are doing, and what a payment really looks like here.
Mortgage calculator
- Principal & interest
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- Property tax
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- Insurance
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- HOA
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- Loan amount
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- Loan type
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California property tax starts at 1% of the purchase price (Prop 13), plus local bonds and assessments; 1.1% is a common SLO County estimate, but check the actual rate for a specific parcel. Excludes PMI, which usually applies below 20% down on conventional loans.
2026 loan limits for San Luis Obispo County
| Units | SLO County conforming limit | National baseline |
|---|---|---|
| 1-unit | $1,000,500 | $832,750 |
| 2-unit | $1,280,850 | $1,066,250 |
| 3-unit | $1,548,250 | $1,288,800 |
| 4-unit | $1,924,100 | $1,601,750 |
Sources: FHFA Conforming Loan Limit Values · HUD FHA Mortgage Limits lookup. Checked 2026-09-22.
Common questions
What is the 2026 conforming loan limit in San Luis Obispo County?
For a single-family (1-unit) home, the 2026 conforming loan limit in San Luis Obispo County is $1,000,500. Loans above the national baseline of $832,750 and up to the county limit are called high-balance conforming loans. Loans above the county limit are jumbo loans.
What is the 2026 FHA loan limit in San Luis Obispo County?
The 2026 FHA limit for a 1-unit home in San Luis Obispo County is $1,000,500.