2026 loan limits in San Luis Obispo County, California
In San Luis Obispo County, a conventional loan up to $1,000,500 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,000,500.
On the map
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Click a county for its figure. County outlines: U.S. Census Bureau.
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,000,500 | $1,000,500 |
| 2 units | $1,280,850 | $1,280,850 |
| 3 units | $1,548,250 | $1,548,250 |
| 4 units | $1,924,100 | $1,924,100 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,250,625 in San Luis Obispo County and stay conforming; with 10% down, about $1,111,667. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $1,036,788.
Questions
What is the 2026 conforming loan limit in San Luis Obispo County?
$1,000,500 for a one-unit home.
What is the 2026 FHA loan limit in San Luis Obispo County?
$1,000,500 for a one-unit home.
More for San Luis Obispo County
2026 limits from HUD’s county files (San Luis Obispo-Paso Robles, Ca). Conforming limits are set by the Federal Housing Finance Agency.