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Updated: December 2, 2024
2025 Mortgage Loan Limits: San Luis Obispo County, California
Property Type
2025 Loan Limit
1-Unit Homes
$967,150
2-Unit Homes
$1,238,150
3-Unit Homes
$1,496,600
4-Unit Homes
$1,859,950
Source: Federal Housing Finance Agency; Federal Housing Administration
San Luis Obispo County, California, mortgage loan limits apply in:
San Luis Obispo County 2025 mortgage loan limits include the following cities: Arroyo Grande, Atascadero, Avila Beach, Blacklake, California Polytechnic State University, Callender, Cambria, Cayucos, Creston, Edna, El Paso de Robles (Paso Robles), Garden Farms, Grover Beach, Lake Nacimiento, Los Berros, Los Osos, Los Ranchos, Morro Bay, Nipomo, Oak Shores, Oceano, Pismo Beach, San Luis Obispo, San Miguel, San Simeon, Santa Margarita, Shandon, Templeton, Whitley Gardens, Woodlands
Historical Charts: Mortgage Loan Limits in San Luis Obispo County, California
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in San Luis Obispo 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 San Luis Obispo County, California
Mortgage statistics for San Luis Obispo 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)
15207
Loan Type
Relative Share
Conventional
86.73%
FHA
6.38%
VA
6.12%
USDA
0.78%
Property Type
Relative Share
1-Unit Homes
98.72%
2-Unit Homes
0.86%
3-Unit Homes
0.26%
4-Unit Homes
0.16%
Borrower Status
Relative Share
One Applicant
37.30%
Two or More Applicants
62.70%
Gender
Relative Share
Male
22.76%
Female
16.55%
Joint Sex
53.01%
Not Available
7.68%
Race
Relative Share
American Indian / Alaska Native
0.41%
Asian
3.13%
Black / African American
0.51%
Native Hawaiian / Other Pacific Islander
0.14%
White
72.98%
Mixed Race
3.54%
Other Race
19.29%
Ethnicity
Relative Share
Hispanic or Latino
8.61%
Not Hispanic or Latino
67.03%
Joint Ethnicity
5.04%
Other Ethnicity
19.32%
San Luis Obispo 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 San Luis Obispo County, California
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding San Luis Obispo County, California. Local loan limits and county-level mortgage data updated regularly.
