TPO Kit
2026 conforming loan limits in Colorado.
20 of Colorado's 64 counties are high-cost areas with a higher limit, as high as $1,249,125 in Eagle County. The rest use the $832,750 baseline.
| County | 1 unit | 2 units | 3 units | 4 units | 1 unit, since 2025 | 1 unit, since 2022 |
|---|---|---|---|---|---|---|
| Adams CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Alamosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Arapahoe CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Archuleta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Baca County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Bent County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Boulder CountyHigh-cost | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 | +$17,250 (2.0%) | +$132,250 (17.7%) |
| Broomfield CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Chaffee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Cheyenne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Clear Creek CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Conejos County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Costilla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Crowley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Delta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Denver CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Dolores County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Douglas CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Eagle CountyHigh-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (3.3%) | +$386,625 (44.8%) |
| El Paso County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Elbert CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Fremont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Garfield CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$353,000 (41.2%) |
| Gilpin CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Grand CountyHigh-cost | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 | +$9,200 (1.1%) | +$236,000 (36.5%) |
| Gunnison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Hinsdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Huerfano County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Jefferson CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Kiowa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Kit Carson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| La Plata County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Lake CountyHigh-cost | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | +$286,000 (35.5%) | +$445,300 (68.8%) |
| Larimer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Las Animas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Mesa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Mineral County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Moffat CountyHigh-cost | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | +$282,550 (35.0%) | +$441,850 (68.3%) |
| Montezuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Montrose County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Otero County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Ouray County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Park CountyHigh-cost | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 (3.4%) | +$178,250 (26.1%) |
| Phillips County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Pitkin CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$353,000 (41.2%) |
| Prowers County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Pueblo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Rio Blanco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Rio Grande County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Routt CountyHigh-cost | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | +$77,050 (7.6%) | +$410,550 (60.5%) |
| Saguache County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| San Juan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| San Miguel CountyHigh-cost | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 | +$0 (0.0%) | +$238,050 (31.5%) |
| Sedgwick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Summit CountyHigh-cost | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | +$25,300 (2.4%) | +$270,125 (32.8%) |
| Teller County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Weld County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Yuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
Source: FHFA, Conforming Loan Limit Values, 2026. For loans acquired by Fannie Mae and Freddie Mac in 2026. Changes use FHFA's county files for 2022 to 2026; counties whose codes changed show "—". FHA limits are set separately by HUD: for 2026, $541,287 to $1,249,125 for one unit in most areas. HUD loan limit lookup.
Updated September 28, 2026 · FHFA's next updates are expected in late November 2026.