The 2026 one-unit conforming limit in Orange County is $1,249,125. Any one-unit loan above that is a jumbo loan. Below: how that line falls across 22 Orange cities.
2026 1-unit conforming limit
County designation
Cities covered below
Typical credit score
Orange 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 Orange County is a jumbo loan.
Values across the county run from roughly $870K in Santa Ana to about $3.73M in Newport Beach, 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? |
|---|---|---|
| Aliso Viejo | $1.01M | Higher-end homes only |
| Anaheim | $950K | Higher-end homes only |
| Brea | $1.14M | Often — depends on the home |
| Costa Mesa | $1.43M | Often — depends on the home |
| Dana Point | $1.76M | Usually |
| Fountain Valley | $1.4M | Often — depends on the home |
| Fullerton | $1.05M | Higher-end homes only |
| Garden Grove | $1.02M | Higher-end homes only |
| Huntington Beach | $1.37M | Often — depends on the home |
| Irvine | $1.54M | Usually |
| Laguna Beach | $3.03M | Almost always |
| Laguna Niguel | $1.5M | Usually |
| Lake Forest | $1.2M | Often — depends on the home |
| Mission Viejo | $1.22M | Often — depends on the home |
| Newport Beach | $3.73M | Almost always |
| Orange | $1.14M | Often — depends on the home |
| Rancho Santa Margarita | $1.02M | Higher-end homes only |
| San Clemente | $1.75M | Usually |
| Santa Ana | $870K | Higher-end homes only |
| Tustin | $1.18M | Often — depends on the home |
| Westminster | $1.1M | Higher-end homes only |
| Yorba Linda | $1.42M | Often — depends on the home |
Aliso Viejo. Aliso Viejo sits near the 2026 Orange County conforming ceiling, so jumbo financing often depends on the specific home — larger detached properties commonly exceed the limit while many condos fit conforming loans.
Anaheim. Most standard Anaheim purchases fall below the 2026 Orange County conforming ceiling, so jumbo loans here typically apply to larger homes and the higher-priced Anaheim Hills neighborhoods rather than the typical purchase.
Brea. Brea sits near the 2026 Orange County conforming ceiling, so jumbo financing often depends on the specific home — larger hillside properties commonly exceed the limit.
Costa Mesa. Costa Mesa's typical home value runs above the 2026 Orange County conforming ceiling, so a large share of single-family purchases in this central OC city are financed as jumbo loans.
Dana Point. Dana Point home values typically run above the 2026 Orange County conforming ceiling, so most single-family purchases in this harbor town are financed as jumbo loans.
Fountain Valley. Fountain Valley sits near the 2026 Orange County conforming ceiling, so whether a purchase needs a jumbo loan often depends on the specific home and down payment.
Fullerton. Most standard Fullerton purchases fall below the 2026 Orange County conforming ceiling, so jumbo loans here typically apply to larger or historic-district homes rather than the typical purchase.
Garden Grove. Most standard Garden Grove purchases fall below the 2026 Orange County conforming ceiling, so jumbo financing here is generally limited to larger homes.
Huntington Beach. Huntington Beach home values typically run above the 2026 Orange County conforming ceiling, so most single-family purchases in 'Surf City' require jumbo financing.
Irvine. Irvine's typical home value runs above the 2026 Orange County conforming ceiling, so the majority of single-family purchases in this master-planned city are financed with jumbo loans.
Laguna Beach. Laguna Beach is among OC's priciest coastal markets, with typical values far above the 2026 Orange County conforming ceiling — virtually every standard purchase is financed as a jumbo loan.
Laguna Niguel. Laguna Niguel home values typically run above the 2026 Orange County conforming ceiling, so most single-family purchases in this south OC hillside city are financed as jumbo loans.
Lake Forest. Lake Forest sits near the 2026 Orange County conforming ceiling, so jumbo financing often depends on the specific home — larger and newer master-planned homes frequently exceed the limit.
Mission Viejo. Mission Viejo sits near the 2026 Orange County conforming ceiling, so jumbo financing often hinges on the specific home — larger lake-adjacent and view homes commonly exceed the limit.
Newport Beach. Newport Beach is among Orange County's most expensive markets, with typical values far above the 2026 conforming ceiling — nearly every standard purchase here is financed as a jumbo loan.
Orange. Most standard purchases in the City of Orange fall near or below the 2026 Orange County conforming ceiling, so jumbo financing here often depends on the specific home — larger Old Towne and hillside properties can exceed it.
Rancho Santa Margarita. Rancho Santa Margarita sits near the 2026 Orange County conforming ceiling, so jumbo financing often hinges on the specific home — larger detached properties commonly exceed the limit.
San Clemente. San Clemente home values typically run above the 2026 Orange County conforming ceiling, so most single-family purchases in this Spanish-village beach town require jumbo financing.
Santa Ana. Most standard Santa Ana purchases fall below the 2026 Orange County conforming ceiling, so jumbo loans here generally apply to larger or historic homes rather than the typical purchase.
Tustin. Tustin sits around the 2026 Orange County conforming ceiling, so whether a purchase needs a jumbo loan often depends on the specific home — larger or newer Tustin Legacy homes frequently push past the limit.
Westminster. Most standard Westminster purchases fall near or below the 2026 Orange County conforming ceiling, so jumbo financing here generally applies to larger homes.
Yorba Linda. Yorba Linda's typical home value runs above the 2026 Orange County conforming ceiling, so most single-family purchases in this affluent north OC city are financed as jumbo loans.
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