Your Property Details
Monterey County median: $825,000
Monterey County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 30.0%
- Avg Property Tax Rate
- 0.98%
- Est. Annual Tax
- $8,085
Your Equity Position
Current Equity
$330,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$660,000
Cash Available
$165,000
Max New Loan
$701,250
Cash Available
$206,250
Max New Loan
$742,500
Cash Available
$247,500
5-Year Projection for Monterey County
Based on 30.0% historical appreciation in Monterey County, California:
Projected Value (5yr)
$1,072,500
Projected Equity Gain
$247,500
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 Monterey County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
City Calculators in Monterey County
Frequently Asked Questions
What is the 2026 conforming loan limit for Monterey County, California?
The 2026 FHFA conforming loan limit for Monterey County is $1,149,825. 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 Monterey County?
Based on the Monterey County median home value of $825,000, a homeowner with 40% equity could access up to $165,000 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 Monterey County conforming or jumbo?
If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With Monterey County's median home value at $825,000, 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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