FHA & Conforming Loan Limits 2026: San Bernardino County, California
Complete 2026 loan limits for San Bernardino County. FHA: $498,257 | Conforming: $766,550
📊 2026 Loan Limits at a Glance
| Property Type | FHA Limit | Conforming Limit |
|---|---|---|
| 1-Unit (Single Family) | $498,257 | $766,550 |
| 2-Unit (Duplex) | $637,950 | $981,500 |
| 3-Unit (Triplex) | $771,125 | $1,186,350 |
| 4-Unit (Fourplex) | $958,350 | $1,474,400 |
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Get FHA Pre-Approval →Understanding San Bernardino County Loan Limits
San Bernardino County is the largest county in the United States by area, covering over 20,000 square miles of Southern California. Despite its size, it uses the baseline FHA loan limit of $498,257 for 2026, making it more affordable than neighboring high-cost counties like Los Angeles or Orange County.
Why San Bernardino Has Lower Limits
FHA loan limits are based on median home prices in each county. San Bernardino County's median home price is approximately $450,000-$500,000, which falls within the baseline limit range. This is good news for buyers—you can purchase most homes in the county with an FHA loan.
FHA Loan Requirements for San Bernardino County
- Minimum Credit Score: 580 for 3.5% down payment, 500-579 for 10% down
- Down Payment: 3.5% minimum ($17,439 on a $498,257 home)
- Debt-to-Income Ratio: Up to 43% (some lenders allow 50%)
- Property Location: Must be in San Bernardino County, CA
- Primary Residence: FHA loans are for primary residences only
Popular Cities in San Bernardino County
These FHA and conforming loan limits apply to all cities within San Bernardino County, including:
Conforming vs FHA: Which Is Better?
Choose FHA If:
- Credit score is below 700
- You have limited savings (3.5% down)
- Recent credit issues (bankruptcy, foreclosure)
- Higher debt-to-income ratio
Choose Conforming If:
- Credit score is 700+
- You can put 20% down (avoid PMI)
- Need a loan above $498,257
- Want lower long-term costs
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Compare Rates Now →Frequently Asked Questions
What is the FHA loan limit for San Bernardino County in 2026?
The FHA loan limit for San Bernardino County, California in 2026 is $498,257 for a single-family home. For 2-unit properties it's $637,950, 3-unit is $771,125, and 4-unit is $958,350.
What is the conforming loan limit for San Bernardino County in 2026?
The conforming loan limit for San Bernardino County in 2026 is $766,550 for a single-family home. This is the baseline limit set by FHFA for most U.S. counties.
Is San Bernardino County a high-cost area for FHA loans?
No, San Bernardino County is not designated as a high-cost area for FHA loans in 2026. It uses the floor limit of $498,257 rather than the ceiling limit of $1,149,825 that applies to high-cost areas like Los Angeles County.
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Sarah Mitchell
Senior Mortgage Advisor & VA Loan Specialist
Senior Mortgage Advisor with 12+ years specializing in VA loans and first-time buyer programs.