FHA loan limits and USDA eligibility for ZIP 95476 — Sonoma, CA

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

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USDA property eligibility

Likely eligible for $0 down

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Sonoma County

1–4 person household income limit

$189,550

5–8 person household income limit

$250,250

  • Sonoma County (Primary): $189,550 / $250,250
  • Napa County: $205,800 / $271,700

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2026 FHA loan limits

Sonoma County

1-unit

$897,000

2-unit

$1,148,350

3-unit

$1,388,050

4-unit

$1,725,050

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Confirm loan options for this ZIP

Maps and ZIP lookups are a first look. A licensed lender can confirm the address, income, and the official cap.

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Loan options for 95476

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

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FAQ for ZIP 95476

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