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%
Unlock Your Cash-Out Refinance Limit
See your maximum cash-out at 80%, 85%, and 90% LTV plus a 5-year equity projection.
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) 579-2057 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
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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 50+ Wholesale Lenders for both conforming and jumbo cash-out products.
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