Your Property Details
National City, San Diego County median: $620,000
National City, San Diego County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 34.0%
- Avg Property Tax Rate
- 1.16%
- Est. Annual Tax
- $7,192
Your Equity Position
Current Equity
$248,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$496,000
Cash Available
$124,000
Max New Loan
$527,000
Cash Available
$155,000
Max New Loan
$558,000
Cash Available
$186,000
5-Year Projection for National City, San Diego County
Based on 34.0% historical appreciation in National City, San Diego County, California:
Projected Value (5yr)
$830,800
Projected Equity Gain
$210,800
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 National City, 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 National City, California?
National City 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 National City?
With National City's median home value of $620,000, a homeowner with 40% equity could access approximately $124,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in National City, San Diego County?
The average effective property tax rate in National City is 1.16%. On a home valued at $620,000, that's approximately $7,192 per year. Property taxes are factored into your total PITI payment.
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