Your Property Details
Petaluma, Sonoma County median: $850,000
Petaluma, Sonoma County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 28.0%
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $9,180
Your Equity Position
Current Equity
$340,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$680,000
Cash Available
$170,000
Max New Loan
$722,500
Cash Available
$212,500
Max New Loan
$765,000
Cash Available
$255,000
5-Year Projection for Petaluma, Sonoma County
Based on 28.0% historical appreciation in Petaluma, Sonoma County, California:
Projected Value (5yr)
$1,088,000
Projected Equity Gain
$238,000
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 Petaluma, Sonoma 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 Petaluma, California?
Petaluma is in Sonoma 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 Petaluma?
With Petaluma's median home value of $850,000, a homeowner with 40% equity could access approximately $170,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Petaluma, Sonoma County?
The average effective property tax rate in Petaluma is 1.08%. On a home valued at $850,000, that's approximately $9,180 per year. Property taxes are factored into your total PITI payment.
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