The 2026 one-unit conforming limit in Contra Costa County is $1,249,125. Any one-unit loan above that is a jumbo loan. Below: how that line falls across 11 Contra Costa cities.
2026 1-unit conforming limit
County designation
Cities covered below
Typical credit score
Contra Costa County is a designated high-cost area, so its 2026 one-unit conforming loan limit is $1,249,125 (per FHFA/HUD 2026 loan limits) rather than the $832,750 national baseline. Any one-unit loan above $1,249,125 in Contra Costa County is a jumbo loan.
Values across the county run from roughly $570K in Pittsburg to about $1.99M in Orinda, so whether a purchase needs jumbo financing varies widely by city — the table below shows where each one sits against the $1,249,125 limit.
Typical home values are Zillow Home Value Index (ZHVI) figures for June 2026, rounded. ZHVI reflects the typical value for homes in the 35th to 65th percentile range, so it sits below the median sale price in markets with a heavy luxury tail. Provided as a market reference for general education only; not an appraisal or valuation of any specific property.
| City | Typical home value approx., mid-2026 | Is a jumbo loan usually needed? |
|---|---|---|
| Antioch | $600K | Rarely |
| Concord | $740K | Rarely |
| Danville | $1.88M | Usually |
| Lafayette | $1.96M | Usually |
| Martinez | $770K | Higher-end homes only |
| Orinda | $1.99M | Usually |
| Pittsburg | $570K | Rarely |
| Pleasant Hill | $1.0M | Higher-end homes only |
| Richmond | $610K | Rarely |
| San Ramon | $1.5M | Usually |
| Walnut Creek | $1.04M | Higher-end homes only |
Antioch. Standard Antioch purchases fall below the 2026 high-cost conforming ceiling, so jumbo financing is rarely needed in this East-County city.
Concord. Most standard Concord purchases fall below the 2026 high-cost conforming ceiling, so jumbo loans here typically apply to larger homes rather than the typical purchase.
Danville. Danville is an affluent Tri-Valley market where typical values run far above the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
Lafayette. Lafayette is an affluent Lamorinda market where typical values run far above the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
Martinez. Most standard Martinez purchases fall below the 2026 high-cost conforming ceiling, so jumbo loans here typically apply to larger or hillside homes.
Orinda. Orinda is an affluent Lamorinda market where typical values run far above the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
Pittsburg. Standard Pittsburg purchases fall below the 2026 high-cost conforming ceiling, so jumbo financing is rarely needed in this East-County city.
Pleasant Hill. Pleasant Hill sits near the 2026 high-cost conforming ceiling, so jumbo financing often depends on the specific home — larger properties commonly exceed the limit.
Richmond. Most standard Richmond purchases fall below the 2026 high-cost conforming ceiling, so jumbo financing here generally applies to larger or waterfront homes.
San Ramon. San Ramon home values run well above the 2026 high-cost conforming ceiling, so nearly every standard purchase in this affluent Tri-Valley city is a jumbo loan.
Walnut Creek. Walnut Creek home values run above the 2026 high-cost conforming ceiling, so most single-family purchases in this central Contra Costa hub are financed as jumbo loans.
Learn more about our Jumbo Loans program, explore DSCR investment loans in this region, or see all loan programs.
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