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Livingston was founded as a Japanese-American farming colony in 1907 and now runs largely on the poultry plant that is the largest employer in Merced County.
Explore mortgage options in Livingston, Merced County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Steady pay in a small valley town
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Steady hourly income qualifies cleanly and prices here are low. Let us run your numbers.
The original colony ground, farmed by Japanese-American families from 1907.
The old commercial blocks with the civic buildings and the oldest houses.
The neighborhood nearest the poultry plant and its shifts.
Rural parcels outside the city with almonds, vines and acreage.
The main road through town with the shops and the traffic.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Homebuyers in Livingston weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up Merced County in the Central Valley, Livingston moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
Livingston buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
Livingston borrowers frequently compare options against nearby communities such as Atwater, Dos Palos, Gustine.
Updated 9/27/2026
Merced Ca Livingston is updated daily with practical mortgage guidance for this page.