Your Property Details
Oakland, Alameda County median: $885,000
Oakland, Alameda County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 28.0%
- Avg Property Tax Rate
- 1.35%
- Est. Annual Tax
- $11,948
Your Equity Position
Current Equity
$354,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$708,000
Cash Available
$177,000
Max New Loan
$752,250
Cash Available
$221,250
Max New Loan
$796,500
Cash Available
$265,500
5-Year Projection for Oakland, Alameda County
Based on 28.0% historical appreciation in Oakland, Alameda County, California:
Projected Value (5yr)
$1,132,800
Projected Equity Gain
$247,800
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 Oakland, 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 Oakland, California?
Oakland 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 Oakland?
With Oakland's median home value of $885,000, a homeowner with 40% equity could access approximately $177,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Oakland, Alameda County?
The average effective property tax rate in Oakland is 1.35%. On a home valued at $885,000, that's approximately $11,948 per year. Property taxes are factored into your total PITI payment.
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