The 2026 one-unit conforming limit in Marin County is $1,249,125. Any one-unit loan above that is a jumbo loan. Below: how that line falls across 7 Marin cities.
2026 1-unit conforming limit
County designation
Cities covered below
Typical credit score
Marin 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 Marin County is a jumbo loan.
Values across the county run from roughly $1.08M in Novato to about $3.09M in Tiburon, 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? |
|---|---|---|
| Corte Madera | $1.87M | Usually |
| Larkspur | $2.2M | Usually |
| Mill Valley | $2.17M | Usually |
| Novato | $1.08M | Higher-end homes only |
| San Rafael | $1.34M | Often — depends on the home |
| Sausalito | $1.56M | Usually |
| Tiburon | $3.09M | Almost always |
Corte Madera. Corte Madera home values run far above the 2026 high-cost conforming ceiling, so virtually every standard purchase in this central Marin town is a jumbo loan.
Larkspur. Larkspur home values run far above the 2026 high-cost conforming ceiling, so virtually every standard purchase in this central Marin town is a jumbo loan.
Mill Valley. Mill Valley is an affluent Marin market where typical values run far above the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
Novato. Novato sits near the 2026 high-cost conforming ceiling, so whether a purchase needs a jumbo loan often depends on the specific home — larger homes frequently push past the limit.
San Rafael. San Rafael home values run above the 2026 high-cost conforming ceiling, so most single-family purchases in Marin's county seat are financed as jumbo loans.
Sausalito. Sausalito home values run far above the 2026 high-cost conforming ceiling, so virtually every standard purchase in this waterfront town is a jumbo loan.
Tiburon. Tiburon is one of Marin's most exclusive markets, with typical values many times the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
Learn more about our Jumbo Loans program, explore DSCR investment loans in this region, or see all loan programs.
Start with a WCCI AI Mortgage Review to organize your income, property, credit, and loan goals before speaking with a licensed mortgage professional.
WCCI.Online provides preliminary educational mortgage guidance only and is not a loan approval, rate quote, rate lock, or commitment to lend.
Start with a short mortgage intake and we will help you understand your options.