2025 Mortgage Loan Limits: Kern County, California
| Property Type | 2025 Loan Limit |
|---|---|
| 1-Unit Homes | $806,500 |
| 2-Unit Homes | $1,032,650 |
| 3-Unit Homes | $1,248,150 |
| 4-Unit Homes | $1,551,250 |
Source: Federal Housing Finance Agency; Federal Housing Administration
Kern County, California, mortgage loan limits apply in:
Kern County 2025 mortgage loan limits include the following cities: Alta Sierra, Arvin, Bakersfield, Bakersfield Country Club, Bear Valley Springs, Benton Park, Bodfish, Boron, Buttonwillow, California City, Casa Loma, Cherokee Strip, China Lake Acres, Choctaw Valley, Cottonwood, Delano, Derby Acres, Di Giorgio, Dustin Acres, East Bakersfield, East Niles, Edison, Edmundson Acres, Edwards AFB, El Adobe, Fairfax, Fellows, Ford City, Frazier Park, Fuller Acres, Glennville, Golden Hills, Goodmanville, Greenacres, Greenfield, Hillcrest, Inyokern, Johannesburg, Keene, Kernville, La Cresta, Lake Isabella, Lake of the Woods, Lakeside, Lamont, Lebec, Lost Hills, Maricopa, McFarland, McKittrick, Mettler, Mexican Colony, Mojave, Mountain Meadows, Mountain Mesa, North Edwards, Oildale, Olde Stockdale, Old River, Old Stine, Onyx, Pine Mountain Club, Potomac Park, Pumpkin Center, Randsburg, Rexland Acres, Ridgecrest, Ridgecrest Heights, Rivergrove, Rosamond, Rosedale, Shafter, Smith Corner, South Taft, Squirrel Mountain Valley, Stallion Springs, Stebbins, Taft, Taft Heights, Tarina, Tehachapi, Tupman, Valley Acres, Wasco, Weedpatch, Weldon, Wofford Heights, Woody
Historical Charts: Mortgage Loan Limits in Kern County, California
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Kern County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from Kern County, California
Mortgage statistics for Kern County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
| Mortgages | Total |
|---|---|
| Purchase Mortgages (2018-2023) | 49647 |
| Loan Type | Relative Share |
|---|---|
| Conventional | 57.85% |
| FHA | 31.63% |
| VA | 9.36% |
| USDA | 1.16% |
| Property Type | Relative Share |
|---|---|
| 1-Unit Homes | 98.08% |
| 2-Unit Homes | 1.06% |
| 3-Unit Homes | 0.28% |
| 4-Unit Homes | 0.58% |
| Borrower Status | Relative Share |
|---|---|
| One Applicant | 57.40% |
| Two or More Applicants | 42.60% |
| Gender | Relative Share |
|---|---|
| Male | 38.70% |
| Female | 20.93% |
| Joint Sex | 35.86% |
| Not Available | 4.51% |
| Race | Relative Share |
|---|---|
| American Indian / Alaska Native | 0.73% |
| Asian | 6.88% |
| Black / African American | 3.31% |
| Native Hawaiian / Other Pacific Islander | 0.22% |
| White | 69.72% |
| Mixed Race | 2.27% |
| Other Race | 16.86% |
| Ethnicity | Relative Share |
|---|---|
| Hispanic or Latino | 39.06% |
| Not Hispanic or Latino | 43.84% |
| Joint Ethnicity | 3.86% |
| Other Ethnicity | 13.24% |
Kern County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near Kern County, California
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Kern County, California. Local loan limits and county-level mortgage data updated regularly.
