Your Property Details
San Francisco County median: $1,450,000
San Francisco County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 25.0%
- Avg Property Tax Rate
- 1.15%
- Est. Annual Tax
- $16,675
Your Equity Position
Current Equity
$580,000
Current LTV
60.0%
Unlock Your Cash-Out Refinance Limit
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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 Francisco 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 Francisco County
Frequently Asked Questions
What is the 2026 conforming loan limit for San Francisco County, California?
The 2026 FHFA conforming loan limit for San Francisco 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 Francisco County?
Based on the San Francisco County median home value of $1,450,000, a homeowner with 40% equity could access up to $290,000 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 Francisco County conforming or jumbo?
If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With San Francisco County's median home value at $1,450,000, many borrowers will need jumbo financing. Mo Abdel has access to 50+ Wholesale Lenders for both conforming and jumbo cash-out products.
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