Chaffee County, Colorado loan limits 2026
FIPS 08015 · 6 ZIP codes, e.g. 81201, 81211, 81227, 81228, 81236, 81242
In Chaffee County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $713,000. Anything above $832,750 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 Chaffee 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) | $832,750 | $713,000 | +3.3% |
| 2 units | $1,066,250 | $912,750 | +3.3% |
| 3 units | $1,288,800 | $1,103,350 | +3.3% |
| 4 units | $1,601,750 | $1,371,150 | +3.3% |
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.
HUD income limits FY2026
Area median family income: $111,100 · Chaffee County, CO
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $62,250 | $71,150 | $80,050 | $88,900 | $96,050 | $103,150 | $110,250 | $117,350 |
| Very low income (50%) | $38,900 | $44,450 | $50,000 | $55,550 | $60,000 | $64,450 | $68,900 | $73,350 |
| Extremely low income (30%) | $23,350 | $26,700 | $30,050 | $33,350 | $38,680 | $44,360 | $50,040 | $55,720 |
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 | $1,304/mo | $1,110 | +17.5% |
| 1 bedroom | $1,342/mo | $1,117 | +20.1% |
| 2 bedrooms | $1,755/mo | $1,466 | +19.7% |
| 3 bedrooms | $2,362/mo | $2,039 | +15.8% |
| 4 bedrooms | $2,725/mo | $2,298 | +18.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Chaffee County, CO.
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 Chaffee County, CO for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Chaffee County?
$713,000 for a single-family home in 2026 (HUD), up to $1,371,150 for a four-unit property.
What counts as a jumbo loan in Chaffee County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Chaffee County in 2026.
What are the HUD income limits in Chaffee County?
For a family of four (FY2026): low income $88,900, very low income $55,550, extremely low income $33,350; area median family income $111,100.
What is the fair market rent in Chaffee County?
$1,755 a month for a two-bedroom unit in FY2027 (HUD), $1,342 for one bedroom.