LMB FIELD GUIDE / SAN JOAQUIN COUNTY

Tracy.

A local look at the place, the property and the financing questions behind your next move.

OFFICIAL DATA / 2026 / 1–4 UNITS

Local limits.
A clearer starting point.

Compare the standard conforming baseline, the FHFA county maximum and the FHA forward-mortgage county maximum for the actual property’s county and unit count.

As of October 30, 2026: official 2027 county limits have not appeared in the agency sources checked. Some lenders offer early 2027 conventional amounts under their own rules; these are not official FHFA or FHA limits.

San Joaquin County 2026 / 1–4 units

County limit equals the baseline, so there is no separate FHFA high-balance range for this county.

San Joaquin County: 2026 loan amount limits
Property	FHFA baseline	FHFA county max	FHA county max
1 unit	$832,750	$832,750	$678,500
2 units	$1,066,250	$1,066,250	$868,600
3 units	$1,288,800	$1,288,800	$1,049,950
4 units	$1,601,750	$1,601,750	$1,304,850

FHFA baseline is the standard lower-48 limit. FHA county maximum is independently set; its national floor is not a minimum loan amount. Limits are loan amounts, not purchase prices or approvals.

2026 FHA national floors: 1 unit: $541,287 · 2 units: $693,050 · 3 units: $837,700 · 4 units: $1,041,125. A floor is the lowest county maximum, not a minimum loan amount. County-specific maximums appear above.

Sources checked October 30, 2026: FHFA 2026 county table and HUD 2026 forward mortgage county file. HUD Mortgagee Letter 2025-23. FHFA values apply to loans acquired in 2026; FHA timing generally follows case-number assignment. Confirm timing, unit count, occupancy and program details with a loan officer. Approval and availability depend on the loan and property.

Compare all ten counties ↗

THE LOCAL PICTURE / OCTOBER 2026

Start with the place.
Then look closer.

Tracy’s location east of the Altamont gives buyers another area to compare with the Tri-Valley. Test the route you expect to use, and compare the complete ownership budget for the actual property.

What is taking shape

The city publishes a residential pipeline that separates construction, approvals and projects under review. These categories describe different stages and do not establish current homes for sale.

City of Tracy project pipeline ↗

Bring the property into focus

Compare the specific address, commute, insurance quote, property tax estimate and association costs where applicable. For new construction, ask about the builder’s timetable, incentives and what the quoted price includes.

Read the new-construction guide ↗

Plan for the whole payment.

Ask your loan officer to compare written offers with consistent assumptions. Loan approval and program availability depend on the borrower, property and lender.

Talk with our team ↗

Sources and status

Sources checked October 29, 2026. Project status and availability can change.

Tracy.

Local limits.
A clearer starting point.

Start with the place.
Then look closer.

What is taking shape

Bring the property into focus

Plan for the whole payment.

Sources and status

Mortgage questions.
Answered 24/7.

Help us improve your visit?

Tracy.

Local limits.A clearer starting point.

Start with the place.Then look closer.

What is taking shape

Bring the property into focus

Plan for the whole payment.

Sources and status

Help us improve your visit?

Local limits.
A clearer starting point.

Start with the place.
Then look closer.