FHA Loan Limits in San Diego County, California (2026)
Buying in San Diego County or elsewhere in San Diego County? The 2026 FHA single-family limit across the county is $1,077,550. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,077,550 |
| Two-unit (duplex) | $1,379,562 |
| Three-unit (triplex) | $1,667,663 |
| Four-unit (fourplex) | $2,072,480 |
Every community in San Diego County — San Diego County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Los Angeles and Orange Counties.
FHA affordability around San Diego County
With San Diego County's median sale price estimated near $910,000 (think San Diego County), the FHA down payment is roughly $31,850. Factoring California property taxes near 0.75%, expect about $6,589 monthly, pointing to income near $255,000 — above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in San Diego County
Here is what an FHA payment looks like at three San Diego County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $655,000 | $22,925 | $4,776 |
| Local median — $910,000 | $31,850 | $6,589 |
| At the FHA limit — $1,077,550 | $37,714 | $7,781 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near San Diego County too — get notified.
Buyers across San Diego County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $31,850 down payment near San Diego County into little out of pocket.
Multi-unit FHA limits in San Diego County
Looking at a duplex or fourplex near San Diego County? FHA allows up to $1,379,562 on two units and $2,072,480 on four in San Diego County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in San Diego County for 2026?
- In San Diego County (San Diego County), the 2026 FHA limit is $1,077,550 for one unit, $1,379,562 for a duplex, $1,667,663 for a triplex, and $2,072,480 for a fourplex.
- What income do I need to buy in San Diego County with FHA?
- For a median-priced ($910,000) San Diego County home, plan on income around $255,000 at a 31% housing ratio — about $6,589/month including taxes, insurance, and MIP.
- How much is the FHA down payment in San Diego County?
- 3.5% with a 580+ score — roughly $31,850 on a $910,000 San Diego County-area home. Gift funds are allowed.
- Is San Diego County a high-cost FHA area?
- Yes — San Diego County's $1,077,550 one-unit limit tops the $541,287 national floor.