*This post is out of date. Click here for the most up to date San Diego Conforming Loan Limits.
The 2011 conforming loan limits for San Diego County are $417,000 for the traditional conforming mortgage program and $697,500 for the San Diego high balance conforming program. These limits are the same as they were in 2010 for San Diego conforming loans. Remember that loans from $417,001 to $697,500 will have about a .25% higher interest rate and slightly more restrictive guidelines. I have included a chart below that shows the conforming loan limits for other areas of California as well.
San Diego home loans that exceed the high balance loan limits of $697,500 will fall into true jumbo loan programs in San Diego and will be subject to different underwriting guidelines and usually higher rates. As a San Diego Mortgage Banker and Broker, I do have access to all three categories, traditional conforming, high balance conforming, and true jumbo loans. Please let me know if you have any questions.
| County Name | State | One-Unit Limit | Two-Unit Limit | Three-Unit Limit |
| ALAMEDA | CA | $729,750 | $934,200 | $1,129,250 |
| ALPINE | CA | $547,500 | $700,900 | $847,200 |
| AMADOR | CA | $443,750 | $568,050 | $686,650 |
| BUTTE | CA | $417,000 | $533,850 | $645,300 |
| CALAVERAS | CA | $462,500 | $592,050 | $715,700 |
| COLUSA | CA | $417,000 | $533,850 | $645,300 |
| CONTRA COSTA | CA | $729,750 | $934,200 | $1,129,250 |
| DEL NORTE | CA | $417,000 | $533,850 | $645,300 |
| EL DORADO | CA | $580,000 | $742,500 | $897,500 |
| FRESNO | CA | $417,000 | $533,850 | $645,300 |
| GLENN | CA | $417,000 | $533,850 | $645,300 |
| HUMBOLDT | CA | $417,000 | $533,850 | $645,300 |
| IMPERIAL | CA | $417,000 | $533,850 | $645,300 |
| INYO | CA | $437,500 | $560,050 | $677,000 |
| KERN | CA | $417,000 | $533,850 | $645,300 |
| KINGS | CA | $417,000 | $533,850 | $645,300 |
| LAKE | CA | $417,000 | $533,850 | $645,300 |
| LASSEN | CA | $417,000 | $533,850 | $645,300 |
| LOS ANGELES | CA | $729,750 | $934,200 | $1,129,250 |
| MADERA | CA | $425,000 | $544,050 | $657,650 |
| MARIN | CA | $729,750 | $934,200 | $1,129,250 |
| MARIPOSA | CA | $417,000 | $533,850 | $645,300 |
| MENDOCINO | CA | $512,500 | $656,100 | $793,050 |
| MERCED | CA | $472,500 | $604,900 | $731,150 |
| MODOC | CA | $417,000 | $533,850 | $645,300 |
| MONO | CA | $529,000 | $677,200 | $818,600 |
| MONTEREY | CA | $729,750 | $934,200 | $1,129,250 |
| NAPA | CA | $729,750 | $934,200 | $1,129,250 |
| NEVADA | CA | $562,500 | $720,100 | $870,450 |
| ORANGE | CA | $729,750 | $934,200 | $1,129,250 |
| PLACER | CA | $580,000 | $742,500 | $897,500 |
| PLUMAS | CA | $417,000 | $533,850 | $645,300 |
| RIVERSIDE | CA | $500,000 | $640,100 | $773,700 |
| SACRAMENTO | CA | $580,000 | $742,500 | $897,500 |
| SAN BENITO | CA | $729,750 | $934,200 | $1,129,250 |
| SAN BERNARDINO | CA | $500,000 | $640,100 | $773,700 |
| SAN DIEGO | CA | $697,500 | $892,950 | $1,079,350 |
| SAN FRANCISCO | CA | $729,750 | $934,200 | $1,129,250 |
| SAN JOAQUIN | CA | $488,750 | $625,700 | $756,300 |
| SAN LUIS OBISPO | CA | $687,500 | $880,100 | $1,063,850 |
| SAN MATEO | CA | $729,750 | $934,200 | $1,129,250 |
| SANTA BARBARA | CA | $729,750 | $934,200 | $1,129,250 |
| SANTA CLARA | CA | $729,750 | $934,200 | $1,129,250 |
| SANTA CRUZ | CA | $729,750 | $934,200 | $1,129,250 |
| SHASTA | CA | $423,750 | $542,450 | $655,700 |
| SIERRA | CA | $417,000 | $533,850 | $645,300 |
| SISKIYOU | CA | $417,000 | $533,850 | $645,300 |
| SOLANO | CA | $557,500 | $713,700 | $862,700 |
| SONOMA | CA | $662,500 | $848,100 | $1,025,200 |
| STANISLAUS | CA | $423,750 | $542,450 | $655,700 |
| SUTTER | CA | $425,000 | $544,050 | $657,650 |
| TEHAMA | CA | $417,000 | $533,850 | $645,300 |
| TRINITY | CA | $417,000 | $533,850 | $645,300 |
| TULARE | CA | $417,000 | $533,850 | $645,300 |
| TUOLUMNE | CA | $437,500 | $560,050 | $677,000 |
| VENTURA | CA | $729,750 | $934,200 | $1,129,250 |
| YOLO | CA | $580,000 | $742,500 | $897,500 |
| YUBA | CA | $425,000 | $544,050 | $657,650 |