CalHFA 2026
CalHFA income limits by county (2026)
Effective June 30, 2026 from CalHFA's income limit sheet All 58 California counties
Your county
- $210,000 CalHFA's income limit for its first mortgages and MyHome (2026) in San Bernardino County. All counties
For CalHFA first mortgages and its second loans (MyHome, ZIP). One number per county, not based on household size. Dream For All has its own limits. Subject to eligibility and program availability.
Southern California at a glance
- San Bernardino County$210,000
- Riverside County$210,000
- Los Angeles County$214,000
- Orange County$274,000
- San Diego County$259,000
- Ventura County$268,000
All 58 counties
| County | Income limit |
|---|---|
| Alameda | $322,000 |
| Alpine | $256,000 |
| Amador | $218,000 |
| Butte | $192,000 |
| Calaveras | $203,000 |
| Colusa | $192,000 |
| Contra Costa | $322,000 |
| Del Norte | $192,000 |
| El Dorado | $245,000 |
| Fresno | $192,000 |
| Glenn | $192,000 |
| Humboldt | $192,000 |
| Imperial | $192,000 |
| Inyo | $192,000 |
| Kern | $192,000 |
| Kings | $192,000 |
| Lake | $192,000 |
| Lassen | $192,000 |
| Los Angeles | $214,000 |
| Madera | $192,000 |
| Marin | $325,000 |
| Mariposa | $192,000 |
| Mendocino | $196,000 |
| Merced | $192,000 |
| Modoc | $192,000 |
| Mono | $238,000 |
| Monterey | $218,000 |
| Napa | $325,000 |
| Nevada | $278,000 |
| Orange | $274,000 |
| Placer | $245,000 |
| Plumas | $192,000 |
| Riverside | $210,000 |
| Sacramento | $245,000 |
| San Benito | $277,000 |
| San Bernardino County guide | $210,000 |
| San Diego | $259,000 |
| San Francisco | $325,000 |
| San Joaquin | $214,000 |
| San Luis Obispo | $256,000 |
| San Mateo | $325,000 |
| Santa Barbara | $235,000 |
| Santa Clara | $325,000 |
| Santa Cruz | $271,000 |
| Shasta | $201,000 |
| Sierra | $192,000 |
| Siskiyou | $192,000 |
| Solano | $246,000 |
| Sonoma | $264,000 |
| Stanislaus | $195,000 |
| Sutter | $201,000 |
| Tehama | $192,000 |
| Trinity | $192,000 |
| Tulare | $192,000 |
| Tuolumne | $202,000 |
| Ventura | $268,000 |
| Yolo | $269,000 |
| Yuba | $201,000 |
Source: CalHFA income limits, "Income Limits For All CalHFA's First Mortgage and Subordinate Mortgages," effective 06.30.2026, excluding the Dream For All Shared Appreciation Loan. Checked November 6, 2026. Limits change; CalHFA's sheet is the final word.
Questions buyers ask
What is CalHFA's income limit in my county?
Pick your county above, or find it in the list below. Each limit comes from CalHFA's income limit sheet, effective June 30, 2026.
Which loans do these limits cover?
CalHFA's sheet is titled "Income Limits For All CalHFA's First Mortgage and Subordinate Mortgages," so the same county limit covers CalHFA's first mortgages and its second loans, such as MyHome and ZIP. It excludes the Dream For All Shared Appreciation Loan, which has its own limits.
Is Dream For All open?
No. The 2026 portal closed March 16, 2026, and no new applications can be submitted (CalHFA's Dream For All page).
Which income counts toward the limit?
CalHFA's handbook says the income of all borrowers counts, using the income the lender uses to qualify you. Our income limits guide has the details, and we look at your numbers with you.
Is the limit based on household size?
No. CalHFA's sheet lists one number per county, not based on household size.
Do the limits change?
Yes. CalHFA posts new limits from time to time, with an effective date on its sheet. We check CalHFA's sheet regularly and update this page when it changes.
Your next step
See if CalHFA fits you
The CalHFA page explains each program and its catch. Or call, and Colleen's team will walk through it with you.
