2026 conforming loan limits
2026 conforming loan limits in Colorado
Colorado has 64 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Colorado is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $1,249,125.
Baseline
44
Special statutory baseline
0
High-cost area
20
Every county/equivalent in Colorado
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Adams County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Alamosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Arapahoe County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Archuleta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Baca County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bent County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Boulder County | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 | High-cost area |
| Broomfield County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Chaffee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cheyenne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clear Creek County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Conejos County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Costilla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Crowley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Delta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Denver County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Dolores County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Douglas County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Eagle County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| El Paso County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Elbert County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Fremont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Garfield County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Gilpin County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Grand County | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 | High-cost area |
| Gunnison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hinsdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Huerfano County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jefferson County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Kiowa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kit Carson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| La Plata County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lake County | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | High-cost area |
| Larimer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Las Animas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mesa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mineral County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Moffat County | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | High-cost area |
| Montezuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montrose County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Otero County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ouray County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Park County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | High-cost area |
| Phillips County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pitkin County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Prowers County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pueblo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rio Blanco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rio Grande County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Routt County | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | High-cost area |
| Saguache County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| San Juan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| San Miguel County | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 | High-cost area |
| Sedgwick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Summit County | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | High-cost area |
| Teller County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Weld County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Yuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Colorado (CO).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Colorado: 64. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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