Grand County, Colorado loan limits 2026
FIPS 08049 · 8 ZIP codes, e.g. 80442, 80446, 80447, 80451, 80459, 80468
In Grand County the 2026 conforming loan limit is $883,200 for a single-family home — a high-cost area, 6.1% above the national baseline. The FHA limit is $883,200. Anything above $883,200 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 Grand 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) | $883,200 | $883,200 | +1.1% |
| 2 units | $1,130,650 | $1,130,650 | +1.1% |
| 3 units | $1,366,700 | $1,366,700 | +1.1% |
| 4 units | $1,698,500 | $1,698,500 | +1.1% |
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: $123,600 · Grand County, CO
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $69,000 | $78,850 | $88,700 | $98,550 | $106,450 | $114,300 | $122,250 | $130,100 |
| Very low income (50%) | $43,100 | $49,250 | $55,400 | $61,600 | $66,550 | $71,500 | $76,350 | $81,300 |
| Extremely low income (30%) | $25,900 | $29,600 | $33,300 | $36,950 | $39,950 | $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 | $1,370/mo | $1,107 | +23.8% |
| 1 bedroom | $1,464/mo | $1,318 | +11.1% |
| 2 bedrooms | $1,844/mo | $1,475 | +25% |
| 3 bedrooms | $2,197/mo | $1,769 | +24.2% |
| 4 bedrooms | $2,617/mo | $2,474 | +5.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Grand 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 Grand County, CO for 2026?
$883,200 for a one-unit property ($1,130,650 for 2 units, $1,366,700 for 3, $1,698,500 for 4), set by the FHFA; it was $874,000 in 2025.
What is the FHA loan limit in Grand County?
$883,200 for a single-family home in 2026 (HUD), up to $1,698,500 for a four-unit property.
What counts as a jumbo loan in Grand County?
A mortgage above $883,200 for a single-family home is a jumbo (non-conforming) loan in Grand County in 2026.
What are the HUD income limits in Grand County?
For a family of four (FY2026): low income $98,550, very low income $61,600, extremely low income $36,950; area median family income $123,600.
What is the fair market rent in Grand County?
$1,844 a month for a two-bedroom unit in FY2027 (HUD), $1,464 for one bedroom.