The 2026 one-unit conforming limit in Los Angeles County is $1,249,125. Any one-unit loan above that is a jumbo loan. Below: how that line falls across 40 Los Angeles cities.
2026 1-unit conforming limit
County designation
Cities covered below
Typical credit score
Los Angeles 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 Los Angeles County is a jumbo loan.
Values across the county run from roughly $470K in Lancaster to about $3.69M in Beverly Hills, 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? |
|---|---|---|
| Arcadia | $1.41M | Often — depends on the home |
| Beverly Hills | $3.69M | Almost always |
| Brentwood | $2.88M | Almost always |
| Burbank | $1.19M | Often — depends on the home |
| Calabasas | $1.73M | Usually |
| Carson | $800K | Higher-end homes only |
| Culver City | $1.31M | Often — depends on the home |
| Downey | $890K | Higher-end homes only |
| El Segundo | $1.75M | Usually |
| Encino | $1.44M | Usually |
| Gardena | $790K | Higher-end homes only |
| Glendale | $1.2M | Often — depends on the home |
| Hawthorne | $880K | Higher-end homes only |
| Hermosa Beach | $2.3M | Usually |
| Inglewood | $760K | Higher-end homes only |
| La Cañada Flintridge | $2.48M | Usually |
| Lancaster | $470K | Rarely |
| Long Beach | $860K | Higher-end homes only |
| Los Angeles | $950K | Higher-end homes only |
| Malibu | $3.21M | Almost always |
| Manhattan Beach | $3.32M | Almost always |
| Marina del Rey | $1.34M | Often — depends on the home |
| Palmdale | $510K | Rarely |
| Palos Verdes Estates | $2.79M | Almost always |
| Pasadena | $1.21M | Often — depends on the home |
| Pomona | $690K | Rarely |
| Rancho Palos Verdes | $1.83M | Usually |
| Redondo Beach | $1.5M | Usually |
| San Marino | $2.84M | Almost always |
| Santa Clarita | $800K | Higher-end homes only |
| Santa Monica | $1.7M | Usually |
| Sherman Oaks | $1.35M | Often — depends on the home |
| Studio City | $1.58M | Usually |
| Torrance | $1.12M | Higher-end homes only |
| Venice | $1.82M | Usually |
| West Hollywood | $1000K | Higher-end homes only |
| West Los Angeles | Not tracked separately | Depends on the home |
| Westwood | $1.35M | Often — depends on the home |
| Whittier | $830K | Higher-end homes only |
| Woodland Hills | $1.21M | Often — depends on the home |
Arcadia. Arcadia's typical home value runs above the 2026 Los Angeles County conforming ceiling, and its large rebuilt estates push well past it — the majority of purchases here are financed as jumbo loans.
Beverly Hills. In Beverly Hills the typical home value sits far above the 2026 high-cost conforming ceiling, so the overwhelming majority of Beverly Hills purchases and refinances are financed as jumbo loans rather than conforming loans.
Brentwood. Brentwood is a premier Westside enclave where typical values sit far above the 2026 Los Angeles County conforming ceiling — nearly all standard purchases here are financed with jumbo loans.
Burbank. Burbank's typical home value sits near the 2026 conforming ceiling, so whether a purchase needs a jumbo loan often depends on the specific home — larger or updated properties frequently push past the limit.
Calabasas. Calabasas is an affluent gated-community market where typical values run well above the 2026 Los Angeles County conforming ceiling — the majority of purchases here are financed as jumbo loans.
Carson. Most standard Carson purchases fall below the 2026 Los Angeles County conforming ceiling, so jumbo loans here typically apply to larger homes rather than the typical purchase.
Culver City. Culver City's typical home value runs above the 2026 conforming ceiling, so a substantial share of detached-home purchases here cross into jumbo territory even though entry-level condos may still fit conforming limits.
Downey. Most standard Downey purchases fall below the 2026 Los Angeles County conforming ceiling, so jumbo financing here generally applies to larger or premium homes rather than the typical purchase.
El Segundo. El Segundo's typical home value runs above the 2026 Los Angeles County conforming ceiling, so a large share of purchases in this compact beach-and-tech city are financed as jumbo loans.
Encino. Encino's typical home value runs above the 2026 Los Angeles County conforming ceiling, and its larger gated and hillside estates push well past it — those purchases are commonly financed as jumbo loans.
Gardena. Most standard Gardena purchases fall below the 2026 Los Angeles County conforming ceiling, so jumbo financing here is generally reserved for larger or higher-end homes.
Glendale. Glendale's typical home value runs at or slightly above the 2026 conforming ceiling, so many detached-home purchases here — especially in the hillside neighborhoods — require jumbo financing.
Hawthorne. Most standard Hawthorne purchases fall below the 2026 Los Angeles County conforming ceiling, so jumbo loans here generally come into play for larger homes rather than the typical purchase.
Hermosa Beach. Hermosa Beach is a premium South Bay beach town where typical values run far above the 2026 Los Angeles County conforming ceiling — nearly every standard purchase is financed as a jumbo loan.
Inglewood. Most standard Inglewood purchases fall below the 2026 Los Angeles County conforming ceiling, so jumbo loans here typically apply to larger or newly redeveloped homes rather than the typical purchase.
La Cañada Flintridge. La Cañada Flintridge home values run well above the 2026 Los Angeles County conforming ceiling — nearly all standard purchases in this foothill community are financed as jumbo loans.
Lancaster. Standard Lancaster purchases fall well below the 2026 Los Angeles County conforming ceiling, so jumbo financing is rarely needed here and applies only to unusually large or custom Antelope Valley homes.
Long Beach. Most standard Long Beach purchases fall below the 2026 conforming ceiling, so jumbo loans here typically come into play for higher-end coastal and waterfront homes rather than the typical single-family purchase.
Los Angeles. Citywide, the typical Los Angeles home value sits near the 2026 conforming ceiling, but in the city's higher-priced neighborhoods purchase prices routinely exceed it — and those buyers turn to jumbo financing.
Malibu. Malibu is one of the most expensive coastal markets in the country, with typical values many times the 2026 Los Angeles County conforming ceiling — virtually every standard Malibu purchase is financed as a jumbo loan.
Manhattan Beach. Manhattan Beach is one of the South Bay's priciest markets, with typical values several times the 2026 conforming ceiling — virtually every standard purchase here is financed as a jumbo loan.
Marina del Rey. Marina del Rey's waterfront condos and homes typically price above the 2026 Los Angeles County conforming ceiling, so a large share of purchases in this harbor community require jumbo financing.
Palmdale. Standard Palmdale purchases fall well below the 2026 Los Angeles County conforming ceiling, so jumbo loans are seldom required here outside of unusually large custom homes.
Palos Verdes Estates. Palos Verdes Estates is among the peninsula's most exclusive markets, with typical values far above the 2026 Los Angeles County conforming ceiling — virtually all standard purchases are jumbo loans.
Pasadena. Pasadena's typical home value sits around the 2026 conforming ceiling, and its larger historic and estate homes regularly carry prices well above it — those purchases are commonly financed as jumbo loans.
Pomona. Standard Pomona purchases fall below the 2026 Los Angeles County conforming ceiling, so jumbo financing here is generally limited to larger or higher-end homes.
Rancho Palos Verdes. Rancho Palos Verdes is a hillside coastal community where typical values run well above the 2026 Los Angeles County conforming ceiling — most ocean-view purchases here are financed as jumbo loans.
Redondo Beach. Redondo Beach home values typically run above the 2026 Los Angeles County conforming ceiling, so most single-family and townhome purchases in this South Bay beach city require jumbo financing.
San Marino. San Marino is one of the San Gabriel Valley's most exclusive markets, with typical values far above the 2026 Los Angeles County conforming ceiling — virtually every standard purchase is a jumbo loan.
Santa Clarita. Most standard Santa Clarita purchases fall below the 2026 Los Angeles County conforming ceiling, so jumbo loans here typically apply to larger estate and luxury-tract homes rather than the typical purchase.
Santa Monica. With the typical Santa Monica home priced well above the 2026 conforming ceiling, most single-family and many condo purchases here require jumbo financing to reach the full purchase price.
Sherman Oaks. Sherman Oaks home values typically run above the 2026 Los Angeles County conforming ceiling, so a large share of detached-home purchases south of the boulevard require jumbo financing.
Studio City. Studio City's typical home value sits above the 2026 Los Angeles County conforming ceiling, so most hillside and prime-flats purchases here are financed as jumbo loans.
Torrance. Torrance sits right around the 2026 conforming ceiling, so whether a purchase needs a jumbo loan often comes down to the specific home and down payment — larger detached homes here frequently push the loan amount above the limit.
Venice. Venice home values run well above the 2026 Los Angeles County conforming ceiling, so most single-family and many remodeled bungalow purchases in this beachside neighborhood are financed as jumbo loans.
West Hollywood. West Hollywood's detached homes typically price above the 2026 Los Angeles County conforming ceiling, so single-family purchases here often require jumbo financing even where entry-level condos still fit conforming limits.
West Los Angeles. Typical West Los Angeles home values run above the 2026 conforming ceiling, so a large share of single-family purchases on the Westside are financed with jumbo loans rather than conforming loans.
Westwood. Westwood's typical home value runs above the 2026 Los Angeles County conforming ceiling, so most single-family purchases near UCLA and the village are financed as jumbo loans.
Whittier. Most standard Whittier purchases fall below the 2026 Los Angeles County conforming ceiling, so jumbo loans here typically apply to larger hillside or historic homes rather than the typical purchase.
Woodland Hills. Woodland Hills sits near the 2026 Los Angeles County conforming ceiling, so whether a purchase needs a jumbo loan often depends on the specific home — larger or hillside Warner Center-area properties frequently push past the limit.
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