Colorado Conforming Loan Limits in 2021 For All Counties

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This page includes all Colorado county conforming loan limits for 2021, as well as some information about why such caps are established. Home loans that exceed the maximum amounts displayed below are considered “jumbo” mortgages.

The 2021 conforming loan limit for most counties in Colorado is set at $548,250, an increase over 2020’s cap of $510,400. In the more expensive counties of Colorado, the single-family loan limits in 2021 is higher, as is outlined in the chart below.

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2021 Conforming Loan Limits for Colorado

The table below shows conforming loan limits for all Colorado counties and for all unit types. Keep in mind that a single-family residence is referred to as a 1-unit property below, so if you are thinking of buying a single-family home in 2021, refer to the 1-unit column below. Duplexes are referred to as 2-unit properties, triplexes are referred to as 3-unit properties, and multi-plexes are referred to as 4-unit properties below.

County Name 1-Unit 2-Units 3-Units 4-Units
ADAMS $596,850 $764,050 $923,600 $1,147,800
ALAMOSA $548,250 $702,000 $848,500 $1,054,500
ARAPAHOE $596,850 $764,050 $923,600 $1,147,800
ARCHULETA $548,250 $702,000 $848,500 $1,054,500
BACA $548,250 $702,000 $848,500 $1,054,500
BENT $548,250 $702,000 $848,500 $1,054,500
BOULDER $654,350 $837,700 $1,012,550 $1,258,400
BROOMFIELD $596,850 $764,050 $923,600 $1,147,800
CHAFFEE $548,250 $702,000 $848,500 $1,054,500
CHEYENNE $548,250 $702,000 $848,500 $1,054,500
CLEAR CREEK $596,850 $764,050 $923,600 $1,147,800
CONEJOS $548,250 $702,000 $848,500 $1,054,500
COSTILLA $548,250 $702,000 $848,500 $1,054,500
CROWLEY $548,250 $702,000 $848,500 $1,054,500
CUSTER $548,250 $702,000 $848,500 $1,054,500
DELTA $548,250 $702,000 $848,500 $1,054,500
DENVER $596,850 $764,050 $923,600 $1,147,800
DOLORES $510,400 $702,000 $848,500 $1,054,500
DOUGLAS $596,850 $764,050 $923,600 $1,147,800
EAGLE $822,250 $1,052,650 $1,272,400 $1,581,300
ELBERT $596,850 $764,050 $923,600 $1,147,800
EL PASO $548,250 $702,000 $848,500 $1,054,500
FREMONT $548,250 $702,000 $848,500 $1,054,500
GARFIELD $765,600 $980,325 $1,184,925 $1,472,550
GILPIN $596,850 $764,050 $923,600 $1,147,800
GRAND $548,250 $702,000 $848,500 $1,054,500
GUNNISON $548,250 $702,000 $848,500 $1,054,500
HINSDALE $548,250 $702,000 $848,500 $1,054,500
HUERFANO $548,250 $702,000 $848,500 $1,054,500
JACKSON $548,250 $702,000 $848,500 $1,054,500
JEFFERSON $596,850 $764,050 $923,600 $1,147,800
KIOWA $548,250 $702,000 $848,500 $1,054,500
KIT CARSON $548,250 $702,000 $848,500 $1,054,500
LAKE $625,500 $800,775 $967,950 $1,202,925
LA PLATA $548,250 $702,000 $848,500 $1,054,500
LARIMER $548,250 $702,000 $848,500 $1,054,500
LAS ANIMAS $548,250 $702,000 $848,500 $1,054,500
LINCOLN $548,250 $702,000 $848,500 $1,054,500
LOGAN $548,250 $702,000 $848,500 $1,054,500
MESA $548,250 $702,000 $848,500 $1,054,500
MINERAL $548,250 $702,000 $848,500 $1,054,500
MOFFAT $548,250 $702,000 $848,500 $1,054,500
MONTEZUMA $548,250 $702,000 $848,500 $1,054,500
MONTROSE $548,250 $702,000 $848,500 $1,054,500
MORGAN $548,250 $702,000 $848,500 $1,054,500
OTERO $548,250 $702,000 $848,500 $1,054,500
OURAY $548,250 $702,000 $848,500 $1,054,500
PARK $596,850 $764,050 $923,600 $1,147,800
PHILLIPS $548,250 $702,000 $848,500 $1,054,500
PITKIN $765,600 $980,325 $1,184,925 $1,472,550
PROWERS $548,250 $702,000 $848,500 $1,054,500
PUEBLO $548,250 $702,000 $848,500 $1,054,500
RIO BLANCO $548,250 $702,000 $848,500 $1,054,500
RIO GRANDE $548,250 $702,000 $848,500 $1,054,500
ROUTT $678,500 $868,600 $1,049,950 $1,304,850
SAGUACHE $548,250 $702,000 $848,500 $1,054,500
SAN JUAN $548,250 $702,000 $848,500 $1,054,500
SAN MIGUEL $625,500 $800,775 $967,950 $1,202,925
SEDGWICK $548,250 $702,000 $848,500 $1,054,500
SUMMIT $822,375 $1,053,000 $1,272,750 $1,581,750
TELLER $548,250 $702,000 $848,500 $1,054,500
WASHINGTON $548,250 $702,000 $848,500 $1,054,500
WELD $548,250 $702,000 $848,500 $1,054,500
YUMA $548,250 $702,000 $848,500 $1,054,500

How These Limits Are Set

Colorado conforming loan limits are established by the Federal Housing Finance Agency (FHFA), which is required to track average home prices in Colorado and the rest of the country. The FHFA is also required to adjust the baseline conforming loan limit every year as needed to reflect fluctuations in home values.

As such, if home prices increase quite a bit, the FHFA will likely increase the corresponding conforming loan limits to keep pace with an increase in home values. Conforming limits are generally set at 115% of the average price of homes in each area, though they can go above this level in high-cost centers.

In 2021, the conforming limit for most counties in Colorado is $548,250. There are a few exceptions, however, in which the loan limits are much higher than this, which can be seen in the chart above.

Check out our mortgage loan limit tool for conventional, FHA, and VA loans.

Live Colorado Mortgage Rates Aug, 03, Tue, 2021

Why Loan Limits Were Increased for 2021

As mentioned earlier, an increase in home prices is the main reason why conforming loan limits increase every year. In Colorado, the median home price reached $427,660 as of December 2020, which was an increase of 6.2% from the same time the previous year. In different parts of the state, the increase in prices was even higher, such as in Colorado Springs which saw an increase in home prices of 10.8% over 2020, reaching $343,300 by year-end.

In response to these increases, the conforming loan limits have also increased.

According to a recent news release from FHFA:

“..As a result of generally rising home values, the increase in the baseline loan limit, and the increase in the ceiling loan limit, the maximum conforming loan limit will be higher in 2021 in all but 18 counties or county equivalents in the U.S”

With the exception of a few, most counties across the nation are seeing higher loan limits in 2021 compared to 2020.

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