Your Property Details
Sacramento, Sacramento County median: $485,000
Sacramento, Sacramento County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 35.0%
- Avg Property Tax Rate
- 1.12%
- Est. Annual Tax
- $5,432
Your Equity Position
Current Equity
$194,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$388,000
Cash Available
$97,000
Max New Loan
$412,250
Cash Available
$121,250
Max New Loan
$436,500
Cash Available
$145,500
5-Year Projection for Sacramento, Sacramento County
Based on 35.0% historical appreciation in Sacramento, Sacramento County, California:
Projected Value (5yr)
$654,750
Projected Equity Gain
$169,750
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 Sacramento, Sacramento 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 Sacramento, California?
Sacramento is in Sacramento 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 Sacramento?
With Sacramento's median home value of $485,000, a homeowner with 40% equity could access approximately $97,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Sacramento, Sacramento County?
The average effective property tax rate in Sacramento is 1.12%. On a home valued at $485,000, that's approximately $5,432 per year. Property taxes are factored into your total PITI payment.
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