2026 FHA Loan Limits in Colorado by County

The Federal Housing Administration (FHA) determines the maximum loan amount borrowers can qualify for when seeking an FHA loan. These FHA loan limits can vary by county and are based on the median home prices in each county. FHA loan limits are adjusted annually based on housing market changes. In Colorado, FHA loan limits fall into two main categories:

• Standard Loan Limits. These limits apply to most counties in the state and serve as a baseline for FHA mortgages.
• High Cost Area Loan Limits. These limits are higher than the standard limits and apply to counties with significantly higher median home prices, such as Adams, Eagle, Garfield, Lake, Moffat, Pitkin and Summit counties.

For a 1 unit home (single family) the limits in Colorado range from a standard limit of $541,287 up to a high cost limit of $1,249,125. FHA also has different loan limits based on the number of units in the home. Below are the 2026 FHA loan limits for 1- 4 unit properties in CO for each county.

County	1 Unit	2 Units	3 Units	4 Units
ADAMS, ARAPAHOE, BROOMFIELD, CLEAR CREEK, DENVER, DOUGLAS, ELBERT, GILPIN, JEFFERSON, PARK	$862,500	$1,104,150	$1,334,700	$1,658,700
ALAMOSA, ARCHULETA, BACA, BENT, CHEYENNE, CONEJOS, COSTILLA, CROWLEY, CUSTER, DELTA, DOLORES, EL PASO, FREMONT, HUERFANO, JACKSON, KIOWA, KIT CARSON, LAS ANIMAS, LINCOLN, LOGAN	$541,287	$693,050	$837,700	$1,041,125
MESA, MINERAL, MONTEZUMA, MONTROSE, MORGAN, OTERO, PHILLIPS, PROWERS, PUEBLO, RIO BLANCO, RIO GRANDE, SAGUACHE, SAN JUAN, SEDGWICK, TELLER, WASHINGTON, YUMA	$541,287	$693,050	$837,700	$1,041,125
BOULDER	$879,750	$1,126,250	$1,361,350	$1,691,850
CHAFFEE	$713,000	$912,750	$1,103,350	$1,371,150
EAGLE, GARFIELD, PITKIN	$1,249,125	$1,599,375	$1,933,200	$2,402,625
GRAND	$883,200	$1,130,650	$1,366,700	$1,698,500
GUNNISON, LA PLATA	$747,500	$956,950	$1,156,700	$1,437,500
HINSDALE	$563,500	$721,400	$872,000	$1,083,650
LAKE, SUMMIT	$1,092,500	$1,398,600	$1,690,600	$2,101,000
LARIMER	$634,800	$812,650	$982,300	$1,220,800
MOFFAT, ROUTT	$1,089,050	$1,394,200	$1,685,250	$2,094,350
OURAY	$750,950	$961,350	$1,162,050	$1,444,150
SAN MIGUEL	$1,045,350	$1,338,250	$1,617,650	$2,010,350
WELD	$575,000	$736,100	$889,800	$1,105,800

Look up 2026 loan limits for any US county

Use our calculator below to see exact 2026 FHA and conforming loan limits for any United States county.

2026 FHA loan limits in Colorado high cost counties

Twenty seven of Colorado's 64 counties qualify for a higher FHA loan limit in 2026 more than any state in the country outside California. Colorado's high cost counties span thirteen distinct FHA tiers reflecting wide variation in local median home prices, from Hinsdale County at $563,500 up to Eagle, Garfield, and Pitkin counties at the FHA ceiling of $1,249,125. The remaining 37 counties carry the standard FHA floor of $541,287.

Eagle, Garfield, and Pitkin FHA limits (ceiling counties)

Eagle (Vail, Avon, Edwards, Beaver Creek, Eagle, Gypsum), Garfield (Glenwood Springs, Carbondale, Rifle, Parachute), and Pitkin (Aspen, Snowmass Village, Basalt) carry the 2026 FHA ceiling at $1,249,125 for a one unit property, with multi-unit limits at $1,599,375 (2 unit), $1,933,200 (3 unit), and $2,402,625 (4 unit). These three counties make up the I-70 mountain corridor that runs through Vail and Aspen, two of the most expensive resort markets in the country.

Worth noting: in Pitkin and Garfield counties, the 2026 FHA limit of $1,249,125 is actually $39,375 higher than the 2026 conforming loan limit of $1,209,750 for the same property. This is an unusual situation where FHA borrowers can finance more on a one unit purchase than conventional borrowers in the same county. Pitkin and Garfield held at the prior year's $1,209,750 conforming ceiling under FHFA's hold harmless rule, while their FHA limits rose to the new statutory ceiling. Eagle County moved up to the new ceiling for both conforming ($1,249,125) and FHA ($1,249,125) in 2026.

Lake and Summit County FHA limits

Lake County (Leadville, Twin Lakes) and Summit County (Breckenridge, Frisco, Silverthorne, Dillon, Keystone) share the 2026 FHA limit of $1,092,500 for a one unit property, with multi-unit limits at $1,398,600 (2 unit), $1,690,600 (3 unit), and $2,101,000 (4 unit). Summit County's median home prices are pushed up by the Breckenridge resort economy and the surrounding ski-in/ski-out housing inventory. Lake County, anchored by Leadville at over 10,000 feet of elevation, has its own higher home values driven by limited buildable land and constrained housing supply.

Moffat and Routt County FHA limits

Moffat County (Craig) and Routt County (Steamboat Springs, Hayden, Oak Creek) share the 2026 FHA limit of $1,089,050 for a one unit property, with multi-unit limits at $1,394,200 (2 unit), $1,685,250 (3 unit), and $2,094,350 (4 unit). Routt County is the higher-profile of the two, anchored by the Steamboat Springs ski resort market. FHFA and HUD group these two counties together because they share a single metropolitan statistical area designation in Northwest Colorado, with Steamboat's home prices driving the FHA tier for both.

San Miguel County FHA limits

San Miguel County, anchored by Telluride and Mountain Village, carries its own 2026 FHA tier at $1,045,350 for a one unit property, with multi-unit limits at $1,338,250 (2 unit), $1,617,650 (3 unit), and $2,010,350 (4 unit). Telluride is one of Colorado's most expensive ski markets and combines limited buildable land, restrictive growth policies and high demand for ski-in/ski-out second homes to support median prices among the highest in the state outside the I-70 ceiling counties.

Grand and Boulder County FHA limits

Grand County (Winter Park, Granby, Grand Lake, Fraser) carries the 2026 FHA limit of $883,200 for a one unit property, supported by the Winter Park ski resort and the Granby Ranch area. Boulder County (Boulder, Longmont, Louisville, Lafayette, Superior, Erie) has its own single county FHA tier at $879,750 for a one unit property, just $3,450 below Grand. Multi-unit limits in Grand reach $1,698,500 (4 unit), and in Boulder reach $1,691,850 (4 unit). Boulder's median home prices reflect demand from the University of Colorado Boulder, the Colorado technology sector concentration, and proximity to Rocky Mountain National Park.

Denver Metro FHA limits

Ten Colorado counties share the 2026 Denver Metro FHA limit of $862,500 for a one unit property: Adams (Thornton, Westminster, Brighton, Commerce City, Northglenn, Federal Heights), Arapahoe (Aurora, Centennial, Englewood, Sheridan, Cherry Hills Village), Broomfield (Broomfield), Clear Creek (Idaho Springs, Georgetown), Denver (Denver), Douglas (Highlands Ranch, Castle Rock, Parker, Lone Tree, Castle Pines), Elbert (Elizabeth, Kiowa), Gilpin (Black Hawk, Central City), Jefferson (Lakewood, Arvada, Wheat Ridge, Golden, Edgewater, Morrison), and Park (Fairplay, Bailey, Alma). Multi-unit limits in all ten counties go up to $1,104,150 (2 unit), $1,334,700 (3 unit), and $1,658,700 (4 unit). The ten counties together form the Denver-Aurora-Centennial Metropolitan Statistical Area, the largest metro in Colorado by far and one of the most active FHA markets in the Rocky Mountain region.

Other Colorado mountain resort counties

Four additional Colorado mountain counties carry FHA tiers between the Denver Metro limit and the FHA floor. Ouray County (Ouray, Ridgway) is at $750,950, reflecting home prices supported by the Telluride-adjacent ski tourism market. Gunnison County (Gunnison, Crested Butte, Mt. Crested Butte) and La Plata County (Durango, Bayfield, Ignacio) share the same tier at $747,500, with Crested Butte driving Gunnison's tier and Durango's growing resort and second-home market driving La Plata's. Chaffee County (Salida, Buena Vista, Poncha Springs) is at $713,000, supported by the rafting and outdoor recreation economy along the Arkansas River corridor. Multi-unit limits in these counties go up to $1,444,150 (Ouray), $1,437,500 (Gunnison and La Plata), and $1,371,150 (Chaffee) for four unit properties.

Larimer and Weld County FHA limits (Northern Front Range)

Larimer County (Fort Collins, Loveland, Estes Park, Windsor, Berthoud, Wellington) carries the 2026 FHA limit of $634,800 for a one unit property, with multi-unit going up to $1,220,800 (4 unit). Weld County (Greeley, Windsor, Firestone, Frederick, Erie, Severance, Johnstown) carries its own FHA tier at $575,000 for a one unit property, with multi-unit going up to $1,105,800 (4 unit). Notably, both Larimer and Weld are at the standard $832,750 baseline for conforming loans, but FHA's more granular tier methodology places them above the FHA floor. This creates an unusual situation in these two counties where the conforming limit ($832,750) significantly exceeds the FHA limit making conventional financing the better choice for many borrowers above the FHA threshold.

Hinsdale County FHA limits

Hinsdale County (Lake City), one of the most remote and least populated counties in the United States with a population of roughly 800, carries its own 2026 FHA tier at $563,500 for a one unit property, $22,213 above the state floor. Multi-unit limits go up to $1,083,650 (4 unit). Hinsdale's higher FHA tier reflects an extremely small housing stock combined with relatively high median home prices for a rural mountain county, similar to the dynamic in other small Western counties where a few high end transactions can move the local median dramatically.

2026 FHA loan limits in Colorado floor counties

Thirty seven Colorado counties carry the standard FHA floor limit in 2026. The floor for a one unit property is $541,287, with multi-unit limits at $693,050 (2 unit), $837,700 (3 unit), and $1,041,125 (4 unit). These limits cover the Eastern Plains, the southern San Luis Valley, most of the Western Slope outside the resort counties and a handful of Front Range counties south of the Denver MSA.

Front Range floor counties (Colorado Springs, Pueblo)

El Paso County (Colorado Springs, Fountain, Manitou Springs, Monument, Falcon) and Pueblo County (Pueblo, Pueblo West) are at the FHA floor despite being Colorado's second and ninth largest counties by population. Colorado Springs in particular has substantial FHA volume given the large active duty military population at Fort Carson and Peterson Space Force Base, the Air Force Academy and the broader Department of Defense presence in the region. Median home prices in both counties remain below the threshold that would trigger an FHA tier above the floor. Teller County (Cripple Creek, Woodland Park, Divide), Custer County (Westcliffe, Silver Cliff) and Fremont County (Cañon City, Florence, Penrose) also sit at the floor.

Western Slope floor counties

The Western Slope counties at the FHA floor include Mesa (Grand Junction, Fruita, Palisade, Clifton), Montrose (Montrose, Olathe), Delta (Delta, Cedaredge, Paonia, Hotchkiss), Montezuma (Cortez, Mancos, Dolores), Archuleta (Pagosa Springs), Dolores, San Juan (Silverton), Rio Blanco (Rangely, Meeker), Mineral (Creede), Saguache (Saguache, Center, Crestone) and Rio Grande (Del Norte, Monte Vista). Median home prices across most of the Western Slope outside the resort corridor remain comfortably below the FHA cap leaving room for FHA financing on the vast majority of single family transactions.

Eastern Plains floor counties

The Eastern Plains counties at the FHA floor include Logan (Sterling), Morgan (Fort Morgan, Brush, Hillrose), Yuma (Yuma, Wray), Phillips (Holyoke), Sedgwick (Julesburg), Washington (Akron), Kit Carson (Burlington), Cheyenne (Cheyenne Wells), Kiowa (Eads), Lincoln (Limon, Hugo), Crowley (Ordway), Otero (La Junta, Rocky Ford), Bent (Las Animas), Prowers (Lamar), Baca (Springfield), Jackson (Walden), Las Animas (Trinidad), Huerfano (Walsenburg) and Conejos, Alamosa, and Costilla in the San Luis Valley. Median home prices in many of these counties are well under $200,000 leaving substantial room under the FHA cap for nearly all purchases.

What happens if your Colorado purchase exceeds the FHA loan limit?

If your purchase price requires a loan that exceeds the FHA limit for your Colorado county, FHA financing isn't an option for the full amount. Common alternatives include:

• Conventional conforming loan. The 2026 Colorado conforming loan limit ranges from $832,750 in baseline counties up to $1,249,125 in Eagle County. Conventional financing reaches further than FHA in nearly every Colorado county, with two notable exceptions: in Pitkin and Garfield counties, the FHA limit ($1,249,125) is actually higher than the conforming limit ($1,209,750). See our 2026 Colorado Conforming Loan Limits page for full conforming county details.
• Jumbo loan. If your purchase exceeds both FHA and conforming limits, jumbo financing is the next option. Jumbo requirements are typically stricter (700+ credit score, 10-20% down, lower DTI), but rates often price competitively with conforming for strong borrowers. Colorado's most active jumbo markets are in the I-70 mountain resort corridor (Vail, Aspen, Beaver Creek, Telluride) and the highest-end Denver Metro and Boulder addresses.
• Larger down payment. Increasing your down payment can bring your loan amount within the FHA or conforming limit. In El Paso, Pueblo, Mesa, and other floor counties where the FHA limit is $541,287, a larger down payment can keep FHA financing as an option on most Colorado purchases.

How to get pre-approved for a Colorado FHA loan

Getting pre-approved for a FHA mortgage is quick and easy with our Online Loan Application. After completing the application, you will receive instructions on how to upload your documents. For a list of documents you will need to upload, see our Pre-approval Document Checklist.

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Colorado FHA Loan Limits