Your Property Details
Palm Springs, Riverside County median: $595,000
Palm Springs, Riverside County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 36.0%
- Avg Property Tax Rate
- 1.12%
- Est. Annual Tax
- $6,664
Your Equity Position
Current Equity
$238,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$476,000
Cash Available
$119,000
Max New Loan
$505,750
Cash Available
$148,750
Max New Loan
$535,500
Cash Available
$178,500
5-Year Projection for Palm Springs, Riverside County
Based on 36.0% historical appreciation in Palm Springs, Riverside County, California:
Projected Value (5yr)
$809,200
Projected Equity Gain
$214,200
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 Palm Springs, Riverside 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 Palm Springs, California?
Palm Springs is in Riverside 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 Palm Springs?
With Palm Springs's median home value of $595,000, a homeowner with 40% equity could access approximately $119,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Palm Springs, Riverside County?
The average effective property tax rate in Palm Springs is 1.12%. On a home valued at $595,000, that's approximately $6,664 per year. Property taxes are factored into your total PITI payment.
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