Your Property Details
Bakersfield, Kern County median: $355,000
Bakersfield, Kern County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 32.0%
- Avg Property Tax Rate
- 1.10%
- Est. Annual Tax
- $3,905
Your Equity Position
Current Equity
$142,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$284,000
Cash Available
$71,000
Max New Loan
$301,750
Cash Available
$88,750
Max New Loan
$319,500
Cash Available
$106,500
5-Year Projection for Bakersfield, Kern County
Based on 32.0% historical appreciation in Bakersfield, Kern County, California:
Projected Value (5yr)
$468,600
Projected Equity Gain
$113,600
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 Bakersfield, Kern County is $806,500 (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 Bakersfield, California?
Bakersfield is in Kern County, which has a 2026 FHFA conforming loan limit of $806,500. 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 Bakersfield?
With Bakersfield's median home value of $355,000, a homeowner with 40% equity could access approximately $71,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Bakersfield, Kern County?
The average effective property tax rate in Bakersfield is 1.10%. On a home valued at $355,000, that's approximately $3,905 per year. Property taxes are factored into your total PITI payment.
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