What are the loan limits in each Colorado county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adams County | $862,500 | $862,500 | $1,104,150 | $458,400 |
| Alamosa County | $832,750 | $541,287 | $693,050 | $218,800 |
| Arapahoe County | $862,500 | $862,500 | $1,104,150 | $526,000 |
| Archuleta County | $832,750 | $541,287 | $693,050 | $451,400 |
| Baca County | $832,750 | $541,287 | $693,050 | $122,000 |
| Bent County | $832,750 | $541,287 | $693,050 | $137,900 |
| Boulder County | $879,750 | $879,750 | $1,126,250 | $713,900 |
| Broomfield County | $862,500 | $862,500 | $1,104,150 | $631,600 |
| Chaffee County | $832,750 | $713,000 | $912,750 | $598,500 |
| Cheyenne County | $832,750 | $541,287 | $693,050 | $187,100 |
| Clear Creek County | $862,500 | $862,500 | $1,104,150 | $572,800 |
| Conejos County | $832,750 | $541,287 | $693,050 | $162,100 |
| Costilla County | $832,750 | $541,287 | $693,050 | $171,300 |
| Crowley County | $832,750 | $541,287 | $693,050 | $106,700 |
| Custer County | $832,750 | $541,287 | $693,050 | $358,800 |
| Delta County | $832,750 | $541,287 | $693,050 | $318,000 |
| Denver County | $862,500 | $862,500 | $1,104,150 | $586,700 |
| Dolores County | $832,750 | $541,287 | $693,050 | $231,900 |
| Douglas County | $862,500 | $862,500 | $1,104,150 | $674,000 |
| Eagle County | $1,249,125 | $1,249,125 | $1,599,375 | $814,700 |
| El Paso County | $832,750 | $541,650 | $693,400 | $431,000 |
| Elbert County | $862,500 | $862,500 | $1,104,150 | $664,600 |
| Fremont County | $832,750 | $541,287 | $693,050 | $282,100 |
| Garfield County | $1,209,750 | $1,249,125 | $1,599,375 | $490,600 |
| Gilpin County | $862,500 | $862,500 | $1,104,150 | $512,600 |
| Grand County | $883,200 | $883,200 | $1,130,650 | $507,200 |
| Gunnison County | $832,750 | $747,500 | $956,950 | $597,200 |
| Hinsdale County | $832,750 | $563,500 | $721,400 | $438,800 |
| Huerfano County | $832,750 | $541,287 | $693,050 | $256,700 |
| Jackson County | $832,750 | $541,287 | $693,050 | $250,000 |
| Jefferson County | $862,500 | $862,500 | $1,104,150 | $604,400 |
| Kiowa County | $832,750 | $541,287 | $693,050 | $148,600 |
| Kit Carson County | $832,750 | $541,287 | $693,050 | $221,400 |
| La Plata County | $832,750 | $747,500 | $956,950 | $549,100 |
| Lake County | $1,092,500 | $1,092,500 | $1,398,600 | $401,300 |
| Larimer County | $832,750 | $634,800 | $812,650 | $532,200 |
| Las Animas County | $832,750 | $541,287 | $693,050 | $214,500 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $232,100 |
| Logan County | $832,750 | $541,287 | $693,050 | $228,100 |
| Mesa County | $832,750 | $541,287 | $693,050 | $349,400 |
| Mineral County | $832,750 | $541,287 | $693,050 | $413,000 |
| Moffat County | $1,089,050 | $1,089,050 | $1,394,200 | $262,500 |
| Montezuma County | $832,750 | $541,287 | $693,050 | $308,100 |
| Montrose County | $832,750 | $541,287 | $693,050 | $357,900 |
| Morgan County | $832,750 | $541,287 | $693,050 | $299,300 |
| Otero County | $832,750 | $541,287 | $693,050 | $160,700 |
| Ouray County | $832,750 | $750,950 | $961,350 | $670,100 |
| Park County | $862,500 | $862,500 | $1,104,150 | $489,300 |
| Phillips County | $832,750 | $541,287 | $693,050 | $255,300 |
| Pitkin County | $1,209,750 | $1,249,125 | $1,599,375 | $1,131,200 |
| Prowers County | $832,750 | $541,287 | $693,050 | $150,900 |
| Pueblo County | $832,750 | $541,287 | $693,050 | $271,800 |
| Rio Blanco County | $832,750 | $541,287 | $693,050 | $243,400 |
| Rio Grande County | $832,750 | $541,287 | $693,050 | $215,400 |
| Routt County | $1,089,050 | $1,089,050 | $1,394,200 | $756,200 |
| Saguache County | $832,750 | $541,287 | $693,050 | $200,000 |
| San Juan County | $832,750 | $541,287 | $693,050 | $406,900 |
| San Miguel County | $994,750 | $1,045,350 | $1,338,250 | $613,100 |
| Sedgwick County | $832,750 | $541,287 | $693,050 | $142,700 |
| Summit County | $1,092,500 | $1,092,500 | $1,398,600 | $850,700 |
| Teller County | $832,750 | $541,650 | $693,400 | $445,000 |
| Washington County | $832,750 | $541,287 | $693,050 | $218,300 |
| Weld County | $832,750 | $575,000 | $736,100 | $444,500 |
| Yuma County | $832,750 | $541,287 | $693,050 | $215,600 |
Which Colorado counties are high-cost areas?
Adams County, Arapahoe County, Boulder County, Broomfield County, Clear Creek County, Denver County, Douglas County, Eagle County, Elbert County, Garfield County, Gilpin County, Grand County, Jefferson County, Lake County, Moffat County, Park County, Pitkin County, Routt County, San Miguel County, Summit County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in Colorado
Frequently asked questions
FHA one-unit limits in Colorado start at $541,287. In El Paso County, the most populous county, it's $541,650.
The 2026 one-unit conforming limit in El Paso County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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