2026 loan limits in Modoc County, California
Modoc County’s 2026 conforming limit of $832,750 is 3.7× the county’s median home value of $224,700 (Census ACS 2020-2024), so almost any local purchase fits under a conforming loan; the 2026 FHA limit of $541,287 is the one that usually matters. Next door, median home values run from $219,500 in Lake County, OR to $539,900 in Washoe County, NV.
- $832,750Conforming, 1 unit (2026)+$26,250 vs 2025
- $541,287FHA, 1 unit (2026)+$17,062 vs 2025
- $224,700Median home valuelimit is 3.7× this (ACS 2020-2024)
- All 6Neighbors share this limitLassen, Shasta, Siskiyou and 3 more
Loan limits next door
| County | State | Conforming 2026 1-unit | FHA 2026 1-unit | Median home value (ACS) |
|---|---|---|---|---|
| Lassen County | CA | $832,750 | $541,287 | $265,300 |
| Shasta County | CA | $832,750 | $541,287 | $366,400 |
| Siskiyou County | CA | $832,750 | $541,287 | $309,500 |
| Klamath County | OR | $832,750 | $541,287 | $280,400 |
| Lake County | OR | $832,750 | $541,287 | $219,500 |
| Washoe County | NV | $832,750 | $638,250 | $539,900 |
Neighbors are from the U.S. Census Bureau county adjacency file (2024). Median home values: Census ACS 2020-2024, table B25077.
| Property | Conforming 2026 | Conforming 2025 | Conforming 2024 | Change vs 2025 | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|---|
| 1 unit | $832,750 | $806,500 | $766,550 | +$26,250 (+3.3%) | $541,287 | $524,225 |
| 2 units | $1,066,250 | $1,032,650 | $981,500 | +$33,600 (+3.3%) | $693,050 | $671,200 |
| 3 units | $1,288,800 | $1,248,150 | $1,186,350 | +$40,650 (+3.3%) | $837,700 | $811,275 |
| 4 units | $1,601,750 | $1,551,250 | $1,474,400 | +$50,500 (+3.3%) | $1,041,125 | $1,008,300 |
| VA basis, 1 unit | $832,750 | $806,500 | $766,550 | +$26,250 (+3.3%) | not used | not used |
VA uses the one-unit conforming limit to work out remaining entitlement when some entitlement is in use; with full entitlement there is no VA limit.
How Modoc County compares
- California median one-unit conforming limit: $832,750 across 58 counties. This county is equal to the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is at the baseline.
- Tied with 40 other California counties at $832,750.
- HUD area: Non-metro. Median sale price HUD used to set the 2026 FHA limit: $175,000.
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- FHFA 2024 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
- U.S. Census Bureau, County Adjacency File (2024), file dated August 20, 2024.
- U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, table B25077 (median value, owner-occupied housing units), summary file dated January 29, 2026.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.