Gunnison County, Colorado loan limits 2026
FIPS 08051 · 10 ZIP codes, e.g. 81210, 81220, 81224, 81225, 81230, 81237
In Gunnison County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $747,500. 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 Gunnison 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 | $747,500 | +3.3% |
| 2 units | $1,066,250 | $956,950 | +3.3% |
| 3 units | $1,288,800 | $1,156,700 | +3.3% |
| 4 units | $1,601,750 | $1,437,500 | +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: $130,800 · Gunnison County, CO
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $69,300 | $79,200 | $89,100 | $98,950 | $106,900 | $114,800 | $122,700 | $130,650 |
| Very low income (50%) | $43,250 | $49,500 | $55,650 | $61,850 | $66,800 | $71,750 | $76,700 | $81,650 |
| Extremely low income (30%) | $26,000 | $29,700 | $33,400 | $37,100 | $40,100 | $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 | $1,222/mo | $1,015 | +20.4% |
| 1 bedroom | $1,276/mo | $1,149 | +11.1% |
| 2 bedrooms | $1,437/mo | $1,334 | +7.7% |
| 3 bedrooms | $1,990/mo | $1,855 | +7.3% |
| 4 bedrooms | $2,231/mo | $2,238 | -0.3% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Gunnison 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 Gunnison 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 Gunnison County?
$747,500 for a single-family home in 2026 (HUD), up to $1,437,500 for a four-unit property.
What counts as a jumbo loan in Gunnison County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Gunnison County in 2026.
What are the HUD income limits in Gunnison County?
For a family of four (FY2026): low income $98,950, very low income $61,850, extremely low income $37,100; area median family income $130,800.
What is the fair market rent in Gunnison County?
$1,437 a month for a two-bedroom unit in FY2027 (HUD), $1,276 for one bedroom.