The 2026 one-unit conforming limit in Ventura County is $1,035,000. Any one-unit loan above that is a jumbo loan. Below: how that line falls across 8 Ventura cities.
2026 1-unit conforming limit
County designation
Cities covered below
Typical credit score
Ventura County is a designated high-cost area, so its 2026 one-unit conforming loan limit is $1,035,000 (per FHFA/HUD 2026 loan limits) rather than the $832,750 national baseline. Any one-unit loan above $1,035,000 in Ventura County is a jumbo loan.
Values across the county run from roughly $770K in Oxnard to about $1.61M in Westlake Village, so whether a purchase needs jumbo financing varies widely by city — the table below shows where each one sits against the $1,035,000 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? |
|---|---|---|
| Camarillo | $920K | Higher-end homes only |
| Moorpark | $940K | Often — depends on the home |
| Ojai | $1.17M | Often — depends on the home |
| Oxnard | $770K | Higher-end homes only |
| Simi Valley | $840K | Higher-end homes only |
| Thousand Oaks | $1.05M | Often — depends on the home |
| Ventura | $900K | Higher-end homes only |
| Westlake Village | $1.61M | Usually |
Camarillo. Most standard Camarillo purchases fall below the 2026 Ventura County conforming ceiling, so jumbo financing here generally applies to larger homes rather than the typical purchase.
Moorpark. Most standard Moorpark purchases fall below the 2026 Ventura County conforming ceiling, so jumbo financing here generally applies to larger homes rather than the typical purchase.
Ojai. Ojai home values run above the 2026 Ventura County conforming ceiling, so a large share of single-family purchases in this scenic valley town are financed as jumbo loans.
Oxnard. Most standard Oxnard purchases fall below the 2026 Ventura County conforming ceiling, so jumbo loans here typically apply to larger or coastal Harbor-area homes rather than the typical purchase.
Simi Valley. Most standard Simi Valley purchases fall below the 2026 Ventura County conforming ceiling, so jumbo loans here typically apply to larger or newer homes rather than the typical purchase.
Thousand Oaks. Thousand Oaks home values run above the 2026 Ventura County conforming ceiling, so a large share of single-family purchases in this affluent Conejo Valley city are financed as jumbo loans.
Ventura. Most standard Ventura purchases fall below the 2026 Ventura County conforming ceiling, so jumbo financing here generally applies to larger hillside or beachfront homes rather than the typical purchase.
Westlake Village. Westlake Village home values run above the 2026 Ventura County conforming ceiling, so most single-family purchases in this affluent lakeside community 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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