Adams County, Colorado loan limits 2026
FIPS 08001 · 25 ZIP codes, e.g. 80011, 80019, 80022, 80024, 80030, 80031 · metro area (CBSA) 19740
In Adams County the 2026 conforming loan limit is $862,500 for a single-family home — a high-cost area, 3.6% above the national baseline. The FHA limit is $862,500. Anything above $862,500 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Adams County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $862,500 | $862,500 | +3.4% |
| 2 units | $1,104,150 | $1,104,150 | +3.4% |
| 3 units | $1,334,700 | $1,334,700 | +3.4% |
| 4 units | $1,658,700 | $1,658,700 | +3.4% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Adams County is in metro area CBSA 19740; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $144,000 · Denver-Aurora-Centennial, CO MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $74,800 | $85,450 | $96,150 | $106,800 | $115,350 | $123,900 | $132,450 | $141,000 |
| Very low income (50%) | $50,400 | $57,600 | $64,800 | $72,000 | $77,800 | $83,550 | $89,300 | $95,050 |
| Extremely low income (30%) | $30,250 | $34,600 | $38,900 | $43,200 | $46,700 | $50,150 | $53,600 | $57,050 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,751/mo | $1,643 | +6.6% |
| 1 bedroom | $1,831/mo | $1,754 | +4.4% |
| 2 bedrooms | $2,169/mo | $2,089 | +3.8% |
| 3 bedrooms | $2,846/mo | $2,734 | +4.1% |
| 4 bedrooms | $3,183/mo | $3,049 | +4.4% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Denver-Aurora-Centennial, CO MSA.
Same metro area
Counties in CBSA 19740 share the same loan limits.
Other counties in Colorado
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Adams County, CO for 2026?
$862,500 for a one-unit property ($1,104,150 for 2 units, $1,334,700 for 3, $1,658,700 for 4), set by the FHFA; it was $833,750 in 2025.
What is the FHA loan limit in Adams County?
$862,500 for a single-family home in 2026 (HUD), up to $1,658,700 for a four-unit property.
What counts as a jumbo loan in Adams County?
A mortgage above $862,500 for a single-family home is a jumbo (non-conforming) loan in Adams County in 2026.
What are the HUD income limits in Adams County?
For a family of four (FY2026): low income $106,800, very low income $72,000, extremely low income $43,200; area median family income $144,000.
What is the fair market rent in Adams County?
$2,169 a month for a two-bedroom unit in FY2027 (HUD), $1,831 for one bedroom.