The 2026 one-unit conforming limit in San Francisco County is $1,249,125. Any one-unit loan above that is a jumbo loan. Below: how that line falls across 1 San Francisco cities.
2026 1-unit conforming limit
County designation
Cities covered below
Typical credit score
San Francisco 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 San Francisco County is a jumbo loan.
Values across the county run from roughly $1.4M in San Francisco to about $1.4M in San Francisco, 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? |
|---|---|---|
| San Francisco | $1.4M | Often — depends on the home |
San Francisco. San Francisco home values run above the 2026 high-cost conforming ceiling, so the large majority of single-family and many condo purchases in the city 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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