58 Counties

California Cash-Out Refinance Calculator by County

California has 58 counties with an average conforming loan limit of $936,727 for 2026. Select your county for a personalized cash-out analysis.

San Mateo County

Median Home: $1,650,000
Loan Limit: $1,149,825
Tax Rate: 1.05%
5yr Appreciation: 28.0%

Santa Clara County

Median Home: $1,650,000
Loan Limit: $1,149,825
Tax Rate: 1.10%
5yr Appreciation: 30.0%

San Francisco County

Median Home: $1,450,000
Loan Limit: $1,149,825
Tax Rate: 1.15%
5yr Appreciation: 25.0%

Marin County

Median Home: $1,425,000
Loan Limit: $1,149,825
Tax Rate: 1.05%
5yr Appreciation: 30.0%

Orange County

Median Home: $1,100,000
Loan Limit: $1,149,825
Tax Rate: 1.08%
5yr Appreciation: 35.0%

Alameda County

Median Home: $1,050,000
Loan Limit: $1,149,825
Tax Rate: 1.12%
5yr Appreciation: 28.0%

Santa Cruz County

Median Home: $1,050,000
Loan Limit: $1,149,825
Tax Rate: 0.98%
5yr Appreciation: 30.0%

San Diego County

Median Home: $925,000
Loan Limit: $1,149,825
Tax Rate: 1.08%
5yr Appreciation: 34.0%

Santa Barbara County

Median Home: $900,000
Loan Limit: $1,149,825
Tax Rate: 1.00%
5yr Appreciation: 30.0%

Los Angeles County

Median Home: $875,000
Loan Limit: $1,149,825
Tax Rate: 1.12%
5yr Appreciation: 33.0%

Napa County

Median Home: $875,000
Loan Limit: $1,149,825
Tax Rate: 1.00%
5yr Appreciation: 28.0%

Ventura County

Median Home: $850,000
Loan Limit: $1,149,825
Tax Rate: 1.05%
5yr Appreciation: 28.0%

Contra Costa County

Median Home: $835,000
Loan Limit: $1,149,825
Tax Rate: 1.08%
5yr Appreciation: 32.0%

Monterey County

Median Home: $825,000
Loan Limit: $1,149,825
Tax Rate: 0.98%
5yr Appreciation: 30.0%

San Luis Obispo County

Median Home: $825,000
Loan Limit: $1,149,825
Tax Rate: 0.98%
5yr Appreciation: 30.0%

Sonoma County

Median Home: $810,000
Loan Limit: $1,149,825
Tax Rate: 1.02%
5yr Appreciation: 28.0%

San Benito County

Median Home: $750,000
Loan Limit: $1,149,825
Tax Rate: 1.05%
5yr Appreciation: 32.0%

Placer County

Median Home: $680,000
Loan Limit: $1,149,825
Tax Rate: 1.00%
5yr Appreciation: 36.0%

El Dorado County

Median Home: $650,000
Loan Limit: $1,149,825
Tax Rate: 0.98%
5yr Appreciation: 35.0%

Mono County

Median Home: $575,000
Loan Limit: $806,500
Tax Rate: 0.82%
5yr Appreciation: 32.0%

Yolo County

Median Home: $575,000
Loan Limit: $1,149,825
Tax Rate: 1.00%
5yr Appreciation: 32.0%

Riverside County

Median Home: $570,000
Loan Limit: $806,500
Tax Rate: 1.10%
5yr Appreciation: 36.0%

Solano County

Median Home: $560,000
Loan Limit: $1,149,825
Tax Rate: 1.05%
5yr Appreciation: 32.0%

Sacramento County

Median Home: $540,000
Loan Limit: $1,149,825
Tax Rate: 1.05%
5yr Appreciation: 35.0%

Nevada County

Median Home: $530,000
Loan Limit: $806,500
Tax Rate: 0.92%
5yr Appreciation: 33.0%

San Bernardino County

Median Home: $490,000
Loan Limit: $806,500
Tax Rate: 1.08%
5yr Appreciation: 38.0%

San Joaquin County

Median Home: $490,000
Loan Limit: $806,500
Tax Rate: 1.05%
5yr Appreciation: 37.0%

Mendocino County

Median Home: $450,000
Loan Limit: $806,500
Tax Rate: 0.88%
5yr Appreciation: 28.0%

Stanislaus County

Median Home: $440,000
Loan Limit: $806,500
Tax Rate: 1.00%
5yr Appreciation: 36.0%

Alpine County

Median Home: $425,000
Loan Limit: $806,500
Tax Rate: 0.98%
5yr Appreciation: 28.0%

Amador County

Median Home: $420,000
Loan Limit: $806,500
Tax Rate: 0.95%
5yr Appreciation: 32.0%

Calaveras County

Median Home: $410,000
Loan Limit: $806,500
Tax Rate: 0.94%
5yr Appreciation: 30.0%

Mariposa County

Median Home: $395,000
Loan Limit: $806,500
Tax Rate: 0.88%
5yr Appreciation: 27.0%

Butte County

Median Home: $385,000
Loan Limit: $806,500
Tax Rate: 0.92%
5yr Appreciation: 30.0%

Humboldt County

Median Home: $380,000
Loan Limit: $806,500
Tax Rate: 0.90%
5yr Appreciation: 30.0%

Sutter County

Median Home: $380,000
Loan Limit: $806,500
Tax Rate: 0.95%
5yr Appreciation: 33.0%

Fresno County

Median Home: $375,000
Loan Limit: $806,500
Tax Rate: 0.98%
5yr Appreciation: 35.0%

Tuolumne County

Median Home: $375,000
Loan Limit: $806,500
Tax Rate: 0.90%
5yr Appreciation: 28.0%

Merced County

Median Home: $370,000
Loan Limit: $806,500
Tax Rate: 0.98%
5yr Appreciation: 35.0%

Yuba County

Median Home: $370,000
Loan Limit: $806,500
Tax Rate: 0.95%
5yr Appreciation: 34.0%

Madera County

Median Home: $365,000
Loan Limit: $806,500
Tax Rate: 0.98%
5yr Appreciation: 33.0%

Shasta County

Median Home: $360,000
Loan Limit: $806,500
Tax Rate: 0.90%
5yr Appreciation: 32.0%

Inyo County

Median Home: $350,000
Loan Limit: $806,500
Tax Rate: 0.85%
5yr Appreciation: 25.0%

Plumas County

Median Home: $350,000
Loan Limit: $806,500
Tax Rate: 0.88%
5yr Appreciation: 28.0%

Colusa County

Median Home: $340,000
Loan Limit: $806,500
Tax Rate: 0.90%
5yr Appreciation: 27.0%

Tulare County

Median Home: $335,000
Loan Limit: $806,500
Tax Rate: 1.00%
5yr Appreciation: 34.0%

Kern County

Median Home: $330,000
Loan Limit: $806,500
Tax Rate: 1.05%
5yr Appreciation: 32.0%

Sierra County

Median Home: $325,000
Loan Limit: $806,500
Tax Rate: 0.85%
5yr Appreciation: 25.0%

Del Norte County

Median Home: $310,000
Loan Limit: $806,500
Tax Rate: 0.88%
5yr Appreciation: 28.0%

Glenn County

Median Home: $310,000
Loan Limit: $806,500
Tax Rate: 0.90%
5yr Appreciation: 26.0%

Kings County

Median Home: $310,000
Loan Limit: $806,500
Tax Rate: 1.00%
5yr Appreciation: 30.0%

Tehama County

Median Home: $300,000
Loan Limit: $806,500
Tax Rate: 0.90%
5yr Appreciation: 28.0%

Imperial County

Median Home: $295,000
Loan Limit: $806,500
Tax Rate: 0.95%
5yr Appreciation: 28.0%

Lake County

Median Home: $295,000
Loan Limit: $806,500
Tax Rate: 0.92%
5yr Appreciation: 28.0%

Siskiyou County

Median Home: $280,000
Loan Limit: $806,500
Tax Rate: 0.88%
5yr Appreciation: 26.0%

Trinity County

Median Home: $270,000
Loan Limit: $806,500
Tax Rate: 0.85%
5yr Appreciation: 25.0%

Lassen County

Median Home: $250,000
Loan Limit: $806,500
Tax Rate: 0.88%
5yr Appreciation: 24.0%

Modoc County

Median Home: $210,000
Loan Limit: $806,500
Tax Rate: 0.85%
5yr Appreciation: 22.0%

2026 FHFA conforming loan limits effective January 1, 2026. For a personalized cash-out refinance quote, call Mo Abdel at (949) 822-9662. NMLS #1426884 | Lumin Lending NMLS #2716106.