The 2026 one-unit conforming limit in Imperial County is $832,750. Any one-unit loan above that is a jumbo loan. Below: how that line falls across 4 Imperial cities.
2026 1-unit conforming limit
County designation
Cities covered below
Typical credit score
Imperial County is not designated a high-cost area, so the 2026 one-unit conforming loan limit is the national baseline of $832,750 (per FHFA/HUD 2026 loan limits). Any one-unit loan above $832,750 in Imperial County is a jumbo loan.
Values across the county run from roughly $360K in Brawley to about $440K in Imperial, so whether a purchase needs jumbo financing varies widely by city — the table below shows where each one sits against the $832,750 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? |
|---|---|---|
| Brawley | $360K | Rarely |
| Calexico | $390K | Rarely |
| El Centro | $390K | Rarely |
| Imperial | $440K | Rarely |
Brawley. Standard Brawley purchases fall far below the 2026 Imperial County conforming ceiling, so jumbo financing is rarely needed in this agricultural valley city.
Calexico. Standard Calexico purchases fall far below the 2026 Imperial County conforming ceiling, so jumbo loans are seldom required in this affordable border city.
El Centro. Standard El Centro purchases fall far below the 2026 Imperial County conforming ceiling, so jumbo financing is rarely needed in this affordable border-region city.
Imperial. Standard purchases in the City of Imperial fall far below the 2026 Imperial County conforming ceiling, so jumbo loans are seldom needed outside of unusually large custom homes.
Learn more about our Jumbo Loans program, explore DSCR investment loans in this region, or see all loan programs.
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