FHA Loan Limits and USDA Eligibility in Mono County, California

2026 FHA one-unit limit in Mono County is $776,250. Two-unit is $993,750, three-unit is $1,201,200, and four-unit is $1,492,800. USDA 502 Guaranteed 1–4 person moderate income is $129,150. Enter a ZIP on the maps. USDA scores the property address, not the county.

2026 FHA Loan Limits Map for California

California one-unit limits:
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for California

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EligibleIneligibleUSDA ineligible boundary

Mono County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIPFHA one-unit loan limitUSDA 1–4 person moderate income
93512$776,250$129,150
93514$776,250$124,900 to $129,150
93517$776,250$129,150
93529$776,250$129,150
93541$776,250$129,150
93546$776,250$129,150
96107$776,250$129,150
96133$776,250$129,150

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Loan Options in Mono County

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Mono County address. Then they can match you if you qualify.

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