FHA Loan Limits in San Mateo County, California (2026)
In San Mateo County — anchored by San Mateo County — the 2026 FHA loan limit for a single-family home is $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
Every community in San Mateo County — San Mateo County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Los Angeles and San Diego Counties.
Affording a home in San Mateo County & San Mateo County
Homes around San Mateo County carry an estimated local median near $1,500,000, so an FHA buyer in San Mateo County puts down about $43,719 (3.5%). With California's 0.75% effective property-tax rate, the all-in payment runs near $9,002 a month — comfortable on household income around $348,000, above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in San Mateo County
Here is what an FHA payment looks like at three San Mateo County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $1,080,000 | $37,800 | $7,799 |
| Local median — $1,249,125 | $43,719 | $9,002 |
| At the FHA limit — $1,249,125 | $43,719 | $9,002 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near San Mateo County too — get notified.
Buyers across San Mateo County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $43,719 down payment near San Mateo County into little out of pocket.
Multi-unit FHA limits in San Mateo County
Looking at a duplex or fourplex near San Mateo County? FHA allows up to $1,599,225 on two units and $2,402,475 on four in San Mateo 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 Mateo County for 2026?
- In San Mateo County (San Mateo County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in San Mateo County with FHA?
- For a median-priced ($1,249,125) San Mateo County home, plan on income around $348,000 at a 31% housing ratio — about $9,002/month including taxes, insurance, and MIP.
- How much is the FHA down payment in San Mateo County?
- 3.5% with a 580+ score — roughly $43,719 on a $1,249,125 San Mateo County-area home. Gift funds are allowed.
- Is San Mateo County a high-cost FHA area?
- Yes — San Mateo County's $1,249,125 one-unit limit tops the $541,287 national floor.