The 2026 one-unit conforming limit in San Mateo County is $1,249,125. Any one-unit loan above that is a jumbo loan. Below: how that line falls across 12 San Mateo cities.
2026 1-unit conforming limit
County designation
Cities covered below
Typical credit score
San Mateo 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 Mateo County is a jumbo loan.
Values across the county run from roughly $1.13M in Daly City to about $2.88M in Menlo Park, 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? |
|---|---|---|
| Belmont | $2.29M | Usually |
| Burlingame | $2.82M | Almost always |
| Daly City | $1.13M | Often — depends on the home |
| Foster City | $1.88M | Usually |
| Half Moon Bay | $1.56M | Usually |
| Menlo Park | $2.88M | Almost always |
| Millbrae | $2.07M | Usually |
| Pacifica | $1.27M | Often — depends on the home |
| Redwood City | $1.88M | Usually |
| San Carlos | $2.45M | Usually |
| San Mateo | $1.68M | Usually |
| South San Francisco | $1.23M | Often — depends on the home |
Belmont. Belmont home values run far above the 2026 high-cost conforming ceiling, so virtually every standard hillside purchase here is financed as a jumbo loan.
Burlingame. Burlingame is an affluent Peninsula market where typical values run far above the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
Daly City. Daly City home values run above the 2026 high-cost conforming ceiling, so most single-family purchases in this San Francisco-adjacent city are financed as jumbo loans.
Foster City. Foster City home values run well above the 2026 high-cost conforming ceiling, so virtually every standard purchase in this waterfront planned community is a jumbo loan.
Half Moon Bay. Half Moon Bay home values run well above the 2026 high-cost conforming ceiling, so most single-family purchases in this coastal town are financed as jumbo loans.
Menlo Park. Menlo Park is a premier Peninsula market where typical values run far above the 2026 high-cost conforming ceiling — nearly all standard purchases are financed as jumbo loans.
Millbrae. Millbrae home values run well above the 2026 high-cost conforming ceiling, so nearly every standard purchase in this transit-hub city is a jumbo loan.
Pacifica. Pacifica home values run above the 2026 high-cost conforming ceiling, so most single-family purchases in this coastal city are financed as jumbo loans.
Redwood City. Redwood City home values run well above the 2026 high-cost conforming ceiling, so virtually all standard single-family purchases here are financed as jumbo loans.
San Carlos. San Carlos is an affluent Peninsula market where typical values run far above the 2026 high-cost conforming ceiling — nearly every standard purchase is a jumbo loan.
San Mateo. San Mateo home values run well above the 2026 high-cost conforming ceiling, so nearly every standard single-family purchase on the mid-Peninsula is financed as a jumbo loan.
South San Francisco. South San Francisco home values run above the 2026 high-cost conforming ceiling, so most single-family purchases in 'The Industrial City' are financed as jumbo loans.
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