What is the conforming loan limit in San Benito County?

The 2026 conforming loan limit for a one-unit home in San Benito County is $1,249,125. FHFA designates it a high-cost area, so the limit is above the national baseline of $832,750. Limits for two-, three- and four-unit properties are $1,599,375, $1,933,200 and $2,402,625.

When does a loan in San Benito County become a jumbo loan?

A loan on a one-unit home above $1,249,125 is above the conforming limit for San Benito 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.

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 San Benito County specifically.

Mortgage rates and loan limits in San Benito County, CA

In San Benito County, a one-unit home loan up to $1,249,125 is a conforming loan in 2026; anything above that is a jumbo loan. 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 San Benito County

2026 conforming loan limit

$1,249,125

High-cost area (FHFA)

Median home value, middle ZIP

$740,500

Census ACS 2023

California effective property tax

0.68%

Statewide, 2022

California average closing costs

$5,962

Statewide, 2025

Illustrative rates

Illustrative rates in San Benito County, CA

As of September 30, 2026, an illustrative 30-year fixed rate in San Benito County, CA is 7.375% (7.456% APR) for a 740 credit score with 20% down on a $750,000 home.

Priced September 30, 2026 from Ralo's live pricing engine for San Benito County on a $750,000 home. Re-priced weekly on business days.

Illustrative 30-year fixed rates in San Benito County, CA by credit score and down payment
Credit score	20% down	5% down
780	7.125% 7.203% APR	7.125% 7.481% APR
740	7.375% 7.456% APR	7.25% 7.7% APR
700	7.49% 7.573% APR	7.375% 7.895% APR
660	7.625% 7.71% APR	7.625% 8.343% APR

Est. principal & interest

$4,144/mo

740 score, 20% down on $750,000 — taxes and insurance vary by property

15-year fixed

6.625%

6.743% APR

7/6 ARM

6.75%

6.883% 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 San Benito County

FHFA designates San Benito County a high-cost area, so its limits are above the national baseline of $832,750 for a one-unit home. 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	$1,249,125
Two units	$1,599,375
Three units	$1,933,200
Four units	$2,402,625

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

Home values by ZIP code in San Benito 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
95023	San Benito County	$740,500	$108,156

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

San Benito County mortgage questions

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