The high-balance conforming loan limit for 2022 in Santa Barbara County is $783,150.
The “low-balance” conforming loan limit for 2022 in Santa Barbara County is $647,200.
Both loan limits above are based on a 1-unit property.
Loans between $647,200 and $783,150 in Santa Barbara County are considered high-balance conforming loans. High-balance loans tend to come with slightly higher interest rates than loans under $647,200 (“low-balance”) and can have slightly tighter qualifying guidelines.