Boulder County, Colorado loan limits 2026
FIPS 08013 · 24 ZIP codes, e.g. 80025, 80026, 80027, 80038, 80301, 80302 · metro area (CBSA) 14500
In Boulder County the 2026 conforming loan limit is $879,750 for a single-family home — a high-cost area, 5.6% above the national baseline. The FHA limit is $879,750. Anything above $879,750 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 Boulder 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) | $879,750 | $879,750 | +2% |
| 2 units | $1,126,250 | $1,126,250 | +2% |
| 3 units | $1,361,350 | $1,361,350 | +2% |
| 4 units | $1,691,850 | $1,691,850 | +2% |
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. Boulder County is in metro area CBSA 14500; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $150,000 · Boulder, 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%) | $52,500 | $60,000 | $67,500 | $75,000 | $81,000 | $87,000 | $93,000 | $99,000 |
| Extremely low income (30%) | $31,500 | $36,000 | $40,500 | $45,000 | $48,600 | $52,200 | $55,800 | $59,400 |
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 | $1,520/mo | $1,553 | -2.1% |
| 1 bedroom | $1,735/mo | $1,795 | -3.3% |
| 2 bedrooms | $2,033/mo | $2,124 | -4.3% |
| 3 bedrooms | $2,703/mo | $2,820 | -4.1% |
| 4 bedrooms | $3,146/mo | $3,239 | -2.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Boulder, CO MSA.
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 Boulder County, CO for 2026?
$879,750 for a one-unit property ($1,126,250 for 2 units, $1,361,350 for 3, $1,691,850 for 4), set by the FHFA; it was $862,500 in 2025.
What is the FHA loan limit in Boulder County?
$879,750 for a single-family home in 2026 (HUD), up to $1,691,850 for a four-unit property.
What counts as a jumbo loan in Boulder County?
A mortgage above $879,750 for a single-family home is a jumbo (non-conforming) loan in Boulder County in 2026.
What are the HUD income limits in Boulder County?
For a family of four (FY2026): low income $106,800, very low income $75,000, extremely low income $45,000; area median family income $150,000.
What is the fair market rent in Boulder County?
$2,033 a month for a two-bedroom unit in FY2027 (HUD), $1,735 for one bedroom.