The 2025 single-family (1‑unit) FHA limit of $970,600 is about 1.1× the median home price of $844,000 in Monterey County, California (CA).
1-unit FHA limit
970600
2-unit FHA limit
1242550
3-unit FHA limit
1501950
4-unit FHA limit
1866600
Median county home price
844000
FHA loan limits in Monterey County, California (CA) are set annually by the U.S. Department of Housing and Urban Development (HUD). These limits determine the maximum loan amount you can borrow under the FHA program for 1–4 unit properties. Limits vary with local prices to keep access fair across Monterey County and California.
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