The 2025 single-family (1‑unit) FHA limit of $1,209,750 is about 1.2× the median home price of $1,025,000 in Santa Cruz County, California (CA).
1-unit FHA limit
1209750
2-unit FHA limit
1548975
3-unit FHA limit
1872225
4-unit FHA limit
2326875
Median county home price
1025000
FHA loan limits in Santa Cruz 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 Santa Cruz County and California.
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