Your Property Details
Chula Vista, San Diego County median: $780,000
Chula Vista, San Diego County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 34.0%
- Avg Property Tax Rate
- 1.12%
- Est. Annual Tax
- $8,736
Your Equity Position
Current Equity
$312,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$624,000
Cash Available
$156,000
Max New Loan
$663,000
Cash Available
$195,000
Max New Loan
$702,000
Cash Available
$234,000
5-Year Projection for Chula Vista, San Diego County
Based on 34.0% historical appreciation in Chula Vista, San Diego County, California:
Projected Value (5yr)
$1,045,200
Projected Equity Gain
$265,200
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 Chula Vista, 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.
Frequently Asked Questions
What is the 2026 conforming loan limit for Chula Vista, California?
Chula Vista is in San Diego 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 Chula Vista?
With Chula Vista's median home value of $780,000, a homeowner with 40% equity could access approximately $156,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Chula Vista, San Diego County?
The average effective property tax rate in Chula Vista is 1.12%. On a home valued at $780,000, that's approximately $8,736 per year. Property taxes are factored into your total PITI payment.
Ready to Take the Next Step?
Get a personalized quote from Mo Abdel — access 200+ wholesale lenders with one application.