FHA Loan Limits in San Francisco County, California (2026)
Buying in San Francisco County or elsewhere in San Francisco County? The 2026 FHA single-family limit across the county is $541,287. 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 |
These 2026 limits apply throughout San Francisco County, from San Francisco County outward, and sit alongside the limits set for neighboring Los Angeles and San Diego Counties.
FHA affordability around San Francisco County
With San Francisco County's median sale price estimated near $821,000 (think San Francisco County), the FHA down payment is roughly $18,945. Factoring California property taxes near 0.75%, expect about $3,967 monthly, pointing to income near $154,000 — above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in San Francisco County
Whether you are buying in San Francisco County or a smaller San Francisco County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $591,000 | $20,685 | $4,320 |
| 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 San Francisco County too — get notified.
In San Francisco County and the surrounding San Francisco County market, FHA's appeal is the math: $18,945 down on a $541,287 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in San Francisco County
Investors and house-hackers in San Francisco County and across San Francisco County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in San Francisco County for 2026?
- In San Francisco County (San Francisco 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 San Francisco County with FHA?
- For a median-priced ($541,287) San Francisco 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 San Francisco County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 San Francisco County-area home. Gift funds are allowed.
- Is San Francisco County a high-cost FHA area?
- No — San Francisco County uses the $541,287 national floor for one unit.