FHA Loan Limits in Contra Costa County, California (2026)
From Contra Costa County, FHA buyers in Contra Costa County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the West Coast.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Contra Costa County to the edges of Contra Costa County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Los Angeles and San Diego Counties.
What can you buy with FHA in Contra Costa County?
An FHA buyer near Contra Costa County faces an estimated $836,000 median, a $18,945 down payment, and — after California's 0.75% property tax — a monthly cost around $3,967. That suits household income of roughly $154,000, above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in Contra Costa County
FHA payments across Contra Costa County price points — from entry homes near Contra Costa County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $602,000 | $21,070 | $4,399 |
| Local median — $541,287 | $18,945 | $3,967 |
| At the FHA limit — $541,287 | $18,945 | $3,967 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near Contra Costa County too — get notified.
First-time buyers make up much of FHA activity in Contra Costa County and across Contra Costa County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Contra Costa County home.
Multi-unit FHA limits in Contra Costa County
Contra Costa County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Contra Costa County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Contra Costa County for 2026?
- In Contra Costa County (Contra Costa County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Contra Costa County with FHA?
- For a median-priced ($541,287) Contra Costa County home, plan on income around $154,000 at a 31% housing ratio — about $3,967/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Contra Costa County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Contra Costa County-area home. Gift funds are allowed.
- Is Contra Costa County a high-cost FHA area?
- No — Contra Costa County uses the $541,287 national floor for one unit.