Your Property Details
San Diego County median: $925,000
San Diego County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 34.0%
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $9,990
Your Equity Position
Current Equity
$370,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$740,000
Cash Available
$185,000
Max New Loan
$786,250
Cash Available
$231,250
Max New Loan
$832,500
Cash Available
$277,500
5-Year Projection for San Diego County
Based on 34.0% historical appreciation in San Diego County, California:
Projected Value (5yr)
$1,239,500
Projected Equity Gain
$314,500
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 San Diego 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 San Diego County
Carlsbad
Median: $1,350,000
Chula Vista
Median: $780,000
Del Mar
Median: $3,100,000
El Cajon
Median: $680,000
Encinitas
Median: $1,750,000
Escondido
Median: $750,000
La Jolla
Median: $2,650,000
Oceanside
Median: $850,000
Poway
Median: $1,100,000
San Diego
Median: $925,000
Solana Beach
Median: $1,950,000
Vista
Median: $785,000
San Marcos
Median: $820,000
Santee
Median: $750,000
National City
Median: $620,000
Frequently Asked Questions
What is the 2026 conforming loan limit for San Diego County, California?
The 2026 FHFA conforming loan limit for San Diego 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 San Diego County?
Based on the San Diego County median home value of $925,000, a homeowner with 40% equity could access up to $185,000 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 San Diego County conforming or jumbo?
If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With San Diego County's median home value at $925,000, 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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