California's $208,850 Probate Threshold Explained

On April 1, 2025, California raised its small-estate limit to $208,850 (from $184,500). If someone dies with more than that in assets that pass outside a trust or beneficiary designation, their family generally needs full probate. The limit is adjusted every three years; the next update is scheduled for April 1, 2028.

What counts toward the limit

• Real estate in your individual name (at gross value — the mortgage isn't subtracted)
• Bank and investment accounts without a payable-on-death or beneficiary designation
• Vehicles, valuables, and other personal property

What usually doesn't count

• Assets held in a funded living trust
• Retirement accounts and life insurance with named beneficiaries
• Joint property with right of survivorship

The $750,000 primary residence petition

Newer rules (AB 2016) allow a simplified court petition for a primary residence worth up to $750,000 that passes to heirs. It's simpler than full probate — but it's still a court process, and many Southern California homes are worth more.

The simple fix

A funded living trust keeps your home and accounts out of probate no matter how much they're worth. Talk with Kristi about whether a trust makes sense for you.