San Francisco Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in San Francisco, California (License #DRE01852897). San Francisco County is a high-cost area with a 2026 conforming loan limit of up to $1,249,125 for a one-unit home — the national ceiling — so buyers can use high-balance conforming loans before a jumbo loan is required.
San Francisco is among the most expensive housing markets in the country, and financing here typically means high-balance conforming or jumbo loans. Accurate county limits and competitive jumbo pricing matter most for buyers across the city.
Today's San Francisco Mortgage Rates
Live best-execution California rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
High-Balance 30-Yr Fixed
6.250%
APR 6.332%
Jumbo 30-Yr Fixed
6.500%
APR 6.602%
VA 30-Yr Fixed
5.625%
APR 5.795%
Rates subject to change. See Rate Assumptions.
San Francisco Home Loan Facts
Median Home Price
~$1,300,000
Curated San Francisco estimate.
2026 Conforming Limit
$832,750
San Francisco County baseline reference.
County
San Francisco County
Loan limits are set at the county level.
Loan Limits & Market
San Francisco County is a high-cost area with a 2026 conforming loan limit of up to $1,249,125 for a one-unit home — the national ceiling — so buyers can use high-balance conforming loans before a jumbo loan is required.
From the Sunset and Richmond districts to Noe Valley and the northern waterfront, San Francisco purchases almost always exceed the baseline conforming limit. Condos and single-family homes alike push many buyers into high-balance or jumbo financing.
San Francisco Highlights
- San Francisco County conforming limit up to $1,249,125 (2026)
- One of the highest-cost metros in the country
- High-balance conforming for loans up to the ceiling
- Jumbo financing above the county limit
Property Taxes in California
California property tax is capped near 1% of assessed value under Proposition 13, with assessed value increases limited to 2% per year until a sale.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in California
CalHFA MyHome Assistance
Deferred-payment junior loan to help cover down payment or closing costs.
CalHFA Conventional & FHA
Below-market first mortgages pairable with down payment assistance.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in San Francisco, California
Your San Francisco loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active California mortgage license (#DRE01852897). See our full licensing & disclosures for details.
Meet Ivan HendrenSan Francisco Mortgage FAQ
What is the conforming loan limit in San Francisco for 2026?
San Francisco County is a high-cost area with a 2026 conforming limit of up to $1,249,125 for a one-unit home. Loans above that amount are financed as jumbo loans.
Do I need a jumbo loan to buy in San Francisco?
Frequently, yes. Because San Francisco prices are high, many buyers exceed the $1,249,125 county limit and need a jumbo loan, though loans at or below the limit can use high-balance conforming financing.
Other California Markets
All of CaliforniaLos Angeles
Median ~$970,000
High-cost metro where jumbo and high-balance conforming loans are common.
San Diego
Median ~$920,000
Strong VA demand near military installations plus a high-cost purchase market.
Sacramento
Median ~$560,000
More affordable capital-region market with active first-time buyer activity.
San Jose
Median ~$1,500,000
Silicon Valley’s highest-cost metro where jumbo and high-balance loans dominate.
Orange County
Median ~$1,300,000
High-cost coastal Southern California market spanning Anaheim, Irvine, and Santa Ana.
Oakland / East Bay
Median ~$1,050,000
High-cost East Bay market drawing buyers priced out of San Francisco.
Inland Empire
Median ~$600,000
More affordable Southern California region using the baseline conforming limit.
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