Kern County, CA

Kern County Cash-Out Refinance Calculator

Calculate your maximum cash-out amount using Kern County's 2026 conforming limit of $806,500 and median home value of $330,000.

Your Property Details

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Kern County median: $330,000

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Kern County Market Snapshot

Conforming Limit
$806,500
5-Year Appreciation
32.0%
Avg Property Tax Rate
1.05%
Est. Annual Tax
$3,465

Your Equity Position

Current Equity

$132,000

Current LTV

60.0%

Maximum Cash-Out by LTV

80% LTV

Max New Loan

$264,000

Cash Available

$66,000

85% LTV

Max New Loan

$280,500

Cash Available

$82,500

90% LTV

Max New Loan

$297,000

Cash Available

$99,000

5-Year Projection for Kern County

Based on 32.0% historical appreciation in Kern County, California:

Projected Value (5yr)

$435,600

Projected Equity Gain

$105,600

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 Kern County is $806,500 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.

City Calculators in Kern County

Frequently Asked Questions

What is the 2026 conforming loan limit for Kern County, California?

The 2026 FHFA conforming loan limit for Kern County is $806,500. Loans above this threshold are classified as jumbo loans and typically require higher credit scores and larger reserves.

How much cash can I take out of my home in Kern County?

Based on the Kern County median home value of $330,000, a homeowner with 40% equity could access up to $66,000 through a cash-out refinance at 80% LTV. Your actual amount depends on your home's appraised value and current mortgage balance.

Is a cash-out refinance in Kern County conforming or jumbo?

If your new loan amount exceeds $806,500, it's classified as a jumbo cash-out refinance. With Kern County's median home value at $330,000, many borrowers qualify for conforming rates. Mo Abdel has access to 200+ wholesale lenders for both conforming and jumbo cash-out products.

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