Your Property Details
Berkeley, Alameda County median: $1,420,000
Berkeley, Alameda County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 28.0%
- Avg Property Tax Rate
- 1.18%
- Est. Annual Tax
- $16,756
Your Equity Position
Current Equity
$568,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$1,136,000
Cash Available
$284,000
Max New Loan
$1,207,000
Cash Available
$355,000
Max New Loan
$1,278,000
Cash Available
$426,000
5-Year Projection for Berkeley, Alameda County
Based on 28.0% historical appreciation in Berkeley, Alameda County, California:
Projected Value (5yr)
$1,817,600
Projected Equity Gain
$397,600
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Berkeley, Alameda County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Berkeley, California?
Berkeley is in Alameda County, which has a 2026 FHFA conforming loan limit of $1,149,825. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Berkeley?
With Berkeley's median home value of $1,420,000, a homeowner with 40% equity could access approximately $284,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Berkeley, Alameda County?
The average effective property tax rate in Berkeley is 1.18%. On a home valued at $1,420,000, that's approximately $16,756 per year. Property taxes are factored into your total PITI payment.
Ready to Take the Next Step?
Get a personalized quote from Mo Abdel — access 200+ wholesale lenders with one application.