Your Property Details
San Ramon, Contra Costa County median: $1,520,000
San Ramon, Contra Costa County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 32.0%
- Avg Property Tax Rate
- 1.09%
- Est. Annual Tax
- $16,568
Your Equity Position
Current Equity
$608,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$1,216,000
Cash Available
$304,000
Max New Loan
$1,292,000
Cash Available
$380,000
Max New Loan
$1,368,000
Cash Available
$456,000
5-Year Projection for San Ramon, Contra Costa County
Based on 32.0% historical appreciation in San Ramon, Contra Costa County, California:
Projected Value (5yr)
$2,006,400
Projected Equity Gain
$486,400
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 San Ramon, Contra Costa 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 San Ramon, California?
San Ramon is in Contra Costa 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 San Ramon?
With San Ramon's median home value of $1,520,000, a homeowner with 40% equity could access approximately $304,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in San Ramon, Contra Costa County?
The average effective property tax rate in San Ramon is 1.09%. On a home valued at $1,520,000, that's approximately $16,568 per year. Property taxes are factored into your total PITI payment.
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