The 2026 one-unit conforming limit in Santa Clara County is $1,249,125. Any one-unit loan above that is a jumbo loan. Below: how that line falls across 13 Santa Clara cities.
2026 1-unit conforming limit
County designation
Cities covered below
Typical credit score
Santa Clara 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 Santa Clara County is a jumbo loan.
Values across the county run from roughly $1.07M in Gilroy to about $4.62M in Los Altos, 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? |
|---|---|---|
| Campbell | $1.9M | Usually |
| Cupertino | $3.07M | Almost always |
| Gilroy | $1.07M | Higher-end homes only |
| Los Altos | $4.62M | Almost always |
| Los Gatos | $2.66M | Almost always |
| Milpitas | $1.45M | Usually |
| Morgan Hill | $1.34M | Often — depends on the home |
| Mountain View | $1.97M | Usually |
| Palo Alto | $3.6M | Almost always |
| San Jose | $1.41M | Often — depends on the home |
| Santa Clara | $1.71M | Usually |
| Saratoga | $4.09M | Almost always |
| Sunnyvale | $2.08M | Usually |
Campbell. Campbell home values run well above the 2026 high-cost conforming ceiling, so nearly every standard single-family purchase in this central-valley city is a jumbo loan.
Cupertino. Cupertino home values run far above the 2026 high-cost conforming ceiling, so virtually every standard purchase in this top-schools tech city is a jumbo loan.
Gilroy. Gilroy sits near the 2026 high-cost conforming ceiling, so whether a purchase needs a jumbo loan often depends on the specific home — larger or newer homes frequently push past the limit.
Los Altos. Los Altos is among the priciest markets in the country, with typical values many times the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
Los Gatos. Los Gatos is an affluent foothill market where typical values run far above the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
Milpitas. Milpitas home values run above the 2026 high-cost conforming ceiling, so most single-family purchases in this northern Silicon Valley city are financed as jumbo loans.
Morgan Hill. Morgan Hill home values run above the 2026 high-cost conforming ceiling, so most single-family purchases in this south-county city are financed as jumbo loans.
Mountain View. Mountain View home values run far above the 2026 high-cost conforming ceiling, so nearly every standard single-family purchase here is financed as a jumbo loan.
Palo Alto. Palo Alto is one of the priciest markets in the country, with typical values many times the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
San Jose. San Jose home values run above the 2026 high-cost conforming ceiling, so the majority of single-family purchases in the Bay Area's largest city are financed as jumbo loans.
Santa Clara. Santa Clara home values run well above the 2026 high-cost conforming ceiling, so nearly every standard single-family purchase here is financed as a jumbo loan.
Saratoga. Saratoga is one of Silicon Valley's most exclusive markets, with typical values many times the 2026 high-cost conforming ceiling — virtually every standard purchase is a jumbo loan.
Sunnyvale. Sunnyvale home values run far above the 2026 high-cost conforming ceiling, so virtually every standard purchase in this Silicon Valley city is a jumbo loan.
Learn more about our Jumbo Loans program, explore DSCR investment loans in this region, or see all loan programs.
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