San Diego County, California Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for San Diego County, California.
2026 Loan Limits in San Diego County
| Property Type | Conforming | FHA |
|---|---|---|
| 1 Unit | $1,104,000 | $1,104,000 |
| 2 Units | $1,413,350 | $1,413,350 |
| 3 Units | $1,708,400 | $1,708,400 |
| 4 Units | $2,123,100 | $2,123,100 |
Affordability Snapshot - San Diego County, California
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in San Diego County
Jump into ZIP-level market pages for this county.
- 91901
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- 91905
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- 91910
- 91911
- 91913
- 91914
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- 91931
- 91932
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- 91962
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- 91977
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- 91980
- 92003
- 92004
- 92007
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- 92014
- 92019
- 92020
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- 92036
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- 92040
- 92054
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- 92101
- 92102
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- 92562
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