Your Property Details
San Luis Obispo County median: $825,000
San Luis Obispo County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 30.0%
- Avg Property Tax Rate
- 0.98%
- Est. Annual Tax
- $8,085
Your Equity Position
Current Equity
$330,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$660,000
Cash Available
$165,000
Max New Loan
$701,250
Cash Available
$206,250
Max New Loan
$742,500
Cash Available
$247,500
5-Year Projection for San Luis Obispo County
Based on 30.0% historical appreciation in San Luis Obispo County, California:
Projected Value (5yr)
$1,072,500
Projected Equity Gain
$247,500
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 Luis Obispo 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 Luis Obispo County
Frequently Asked Questions
What is the 2026 conforming loan limit for San Luis Obispo County, California?
The 2026 FHFA conforming loan limit for San Luis Obispo 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 Luis Obispo County?
Based on the San Luis Obispo County median home value of $825,000, a homeowner with 40% equity could access up to $165,000 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 Luis Obispo County conforming or jumbo?
If your new loan amount exceeds $1,149,825, it's classified as a jumbo cash-out refinance. With San Luis Obispo County's median home value at $825,000, 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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