What is the conforming loan limit in Kings County?

The 2026 conforming loan limit for a one-unit home in Kings County is $832,750, the national baseline set by FHFA. Limits for two-, three- and four-unit properties are $1,066,250, $1,288,800 and $1,601,750.

When does a loan in Kings County become a jumbo loan?

A loan on a one-unit home above $832,750 is above the conforming limit for Kings County, which makes it a jumbo loan. Jumbo loans are not eligible for purchase by Fannie Mae or Freddie Mac, so each lender sets its own pricing, down payment and reserve requirements. See how jumbo loans work.

How much do homes cost in Kings County?

Across 4 ZIP codes in Kings County with Census data, median home values run from $220,500 to $324,100. The middle ZIP code sits at $224,800. These are Census ACS 2023 five-year estimates of owner-occupied home values, not current listing prices.

Do mortgage rates differ by county?

The same lender usually prices the same loan the same way across a state. What changes by county is the loan itself: the home price sets the loan size, the conforming limit decides whether it is a conforming or jumbo loan, and property taxes and insurance change the monthly payment. The rate grid on this page is priced for Kings County specifically.

Mortgage rates and loan limits in Kings County, CA

In Kings County, a one-unit home loan up to $832,750 is a conforming loan in 2026; anything above that is a jumbo loan. Median home values across the county's ZIP codes run from $220,500 to $324,100. The rate grid below shows illustrative pricing for this county by credit score and down payment.

California state guide City Rate Index

See all-in costs for Kings County

2026 conforming loan limit

$832,750

National baseline (FHFA)

Median home value, middle ZIP

$224,800

Census ACS 2023

California effective property tax

0.68%

Statewide, 2022

California average closing costs

$5,962

Statewide, 2025

Illustrative rates

Illustrative rates in Kings County, CA

As of October 5, 2026, an illustrative 30-year fixed rate in Kings County, CA is 7.375% (7.479% APR) for a 740 credit score with 20% down on a $300,000 home.

Priced October 5, 2026 from Ralo's live pricing engine for Kings County on a $300,000 home. Re-priced weekly on business days.

Illustrative 30-year fixed rates in Kings County, CA by credit score and down payment
Credit score	20% down	5% down
780	7.125% 7.226% APR	7.125% 7.499% APR
740	7.375% 7.479% APR	7.375% 7.847% APR
700	7.5% 7.606% APR	7.49% 8.034% APR
660	7.625% 7.733% APR	7.625% 8.362% APR

Est. principal & interest

$1,658/mo

740 score, 20% down on $300,000 — taxes and insurance vary by property

15-year fixed

6.625%

6.781% APR

7/6 ARM

6.75%

6.907% APR

Rates are illustrative examples, not a loan approval, rate lock, or commitment. Actual rates depend on credit score, LTV, occupancy, lock period, and loan amount. Ralo is an automated mortgage broker — not a lender — and earns a thin commission.

2026 conforming loan limits in Kings County

Kings County uses the national baseline limits set by FHFA. A loan at or under the limit can be sold to Fannie Mae or Freddie Mac and is priced as a conventional conforming loan. A loan above it is a jumbo loan.

Property	2026 limit
One unit	$832,750
Two units	$1,066,250
Three units	$1,288,800
Four units	$1,601,750

Source: Federal Housing Finance Agency (FHFA), conforming loan limit values for 2026.

Home values by ZIP code in Kings County

Every ZIP code in the county with Census data. Values are medians for owner-occupied homes, not listing prices.

ZIP code	Area	Median home value	Median household income
93230	Kings County	$321,900	$73,558
93245	Kings County	$324,100	$78,181
93212	Kings County	$220,500	$54,149
93204	Kings County	$224,800	$52,986

Source: US Census Bureau ACS 5-Year, 2023 five-year estimates.

Kings County mortgage questions

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