2026 conforming loan limits · Colorado
Colorado has 9 distinct one-unit conforming limits, from $832,750 to $1,249,125. 20 of 64 counties sit above the $832,750 baseline that applies here.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Colorado at a glance
| Metric | Value |
|---|---|
| Counties | 64 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $1,249,125 |
| Distinct one-unit limits | 9 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 20 of 64 (31.3%) |
| At the applicable ceiling | 1 |
| Dataset year | CY2026 |
How Colorado splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 44 | 68.8% | $832,750 | $832,750 |
| Above baseline, below ceiling | 19 | 29.7% | $862,500 | $1,209,750 |
| At the ceiling | 1 | 1.6% | $1,249,125 | $1,249,125 |
Highest limits in Colorado: Eagle County ($1,249,125), Garfield County ($1,209,750), Pitkin County ($1,209,750), Lake County ($1,092,500), Summit County ($1,092,500).
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Adams County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| Alamosa County | ALAMOSA, CO | $832,750 | $541,287 | $291,463 |
| Arapahoe County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| Archuleta County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Baca County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Bent County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Boulder County | BOULDER, CO | $879,750 | $879,750 | $0 |
| Broomfield County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| Chaffee County | Rural / Non-metro | $832,750 | $713,000 | $119,750 |
| Cheyenne County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clear Creek County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| Conejos County | ALAMOSA, CO | $832,750 | $541,287 | $291,463 |
| Costilla County | ALAMOSA, CO | $832,750 | $541,287 | $291,463 |
| Crowley County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Custer County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Delta County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Denver County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| Dolores County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Douglas County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| Eagle County | EDWARDS, CO | $1,249,125 | $1,249,125 | $0 |
| Elbert County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| El Paso County | COLORADO SPRINGS, CO | $832,750 | $541,650 | $291,100 |
| Fremont County | CANON CITY, CO | $832,750 | $541,287 | $291,463 |
| Garfield County | RIFLE, CO | $1,209,750 | $1,249,125 | -$39,375 |
| Gilpin County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| Grand County | Rural / Non-metro | $883,200 | $883,200 | $0 |
| Gunnison County | Rural / Non-metro | $832,750 | $747,500 | $85,250 |
| Hinsdale County | Rural / Non-metro | $832,750 | $563,500 | $269,250 |
| Huerfano County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jackson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jefferson County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| Kiowa County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Kit Carson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lake County | BRECKENRIDGE, CO | $1,092,500 | $1,092,500 | $0 |
| La Plata County | DURANGO, CO | $832,750 | $747,500 | $85,250 |
| Larimer County | FORT COLLINS-LOVELAND, CO | $832,750 | $634,800 | $197,950 |
| Las Animas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lincoln County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Logan County | STERLING, CO | $832,750 | $541,287 | $291,463 |
| Mesa County | GRAND JUNCTION, CO | $832,750 | $541,287 | $291,463 |
| Mineral County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Moffat County | STEAMBOAT SPRINGS, CO | $1,089,050 | $1,089,050 | $0 |
| Montezuma County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Montrose County | MONTROSE, CO | $832,750 | $541,287 | $291,463 |
| Morgan County | FORT MORGAN, CO | $832,750 | $541,287 | $291,463 |
| Otero County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ouray County | Rural / Non-metro | $832,750 | $750,950 | $81,800 |
| Park County | DENVER-AURORA-CENTENNIAL, CO | $862,500 | $862,500 | $0 |
| Phillips County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pitkin County | RIFLE, CO | $1,209,750 | $1,249,125 | -$39,375 |
| Prowers County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pueblo County | PUEBLO, CO | $832,750 | $541,287 | $291,463 |
| Rio Blanco County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Rio Grande County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Routt County | STEAMBOAT SPRINGS, CO | $1,089,050 | $1,089,050 | $0 |
| Saguache County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| San Juan County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| San Miguel County | Rural / Non-metro | $994,750 | $1,045,350 | -$50,600 |
| Sedgwick County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Summit County | BRECKENRIDGE, CO | $1,092,500 | $1,092,500 | $0 |
| Teller County | COLORADO SPRINGS, CO | $832,750 | $541,650 | $291,100 |
| Washington County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Weld County | GREELEY, CO | $832,750 | $575,000 | $257,750 |
| Yuma County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adams County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Alamosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Arapahoe County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Archuleta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baca County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bent County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boulder County | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| Broomfield County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Chaffee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cheyenne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clear Creek County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Conejos County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Costilla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crowley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Delta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Denver County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Dolores County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Eagle County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Elbert County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| El Paso County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fremont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| Gilpin County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Grand County | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 |
| Gunnison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hinsdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Huerfano County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Kiowa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kit Carson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| La Plata County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Larimer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Las Animas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mesa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mineral County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Moffat County | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| Montezuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montrose County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Otero County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ouray County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Park County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Phillips County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pitkin County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| Prowers County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pueblo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rio Blanco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rio Grande County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Routt County | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| Saguache County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Juan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Miguel County | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| Sedgwick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Summit County | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| Teller County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Weld County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)