Your Property Details
Hayward, Alameda County median: $875,000
Hayward, Alameda County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 28.0%
- Avg Property Tax Rate
- 1.14%
- Est. Annual Tax
- $9,975
Your Equity Position
Current Equity
$350,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$700,000
Cash Available
$175,000
Max New Loan
$743,750
Cash Available
$218,750
Max New Loan
$787,500
Cash Available
$262,500
5-Year Projection for Hayward, Alameda County
Based on 28.0% historical appreciation in Hayward, Alameda County, California:
Projected Value (5yr)
$1,120,000
Projected Equity Gain
$245,000
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 Hayward, 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 Hayward, California?
Hayward 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 Hayward?
With Hayward's median home value of $875,000, a homeowner with 40% equity could access approximately $175,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Hayward, Alameda County?
The average effective property tax rate in Hayward is 1.14%. On a home valued at $875,000, that's approximately $9,975 per year. Property taxes are factored into your total PITI payment.
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