The threshold for loan size which requires a jumbo loan is set per county and is much higher in the expensive coastal states. In California it's $548,250 in the

The threshold for loan size which requires a jumbo loan is set per county and is much higher in the expensive coastal states. In California it's $548,250 in the rural counties where homes are around $250/square foot, so the vast majority of homes will qualify for conforming loans. In the sf bay area it's $822,375, which is well below the average price in some but not all cities.