La Plata County, Colorado loan limits 2026
FIPS 08067 · 7 ZIP codes, e.g. 81122, 81137, 81301, 81302, 81303, 81326 · metro area (CBSA) 20420
In La Plata 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 La Plata 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. La Plata County is in metro area CBSA 20420; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $114,700 · La Plata County, CO
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $64,250 | $73,400 | $82,600 | $91,750 | $99,100 | $106,450 | $113,800 | $121,150 |
| Very low income (50%) | $40,150 | $45,900 | $51,650 | $57,350 | $61,950 | $66,550 | $71,150 | $75,750 |
| Extremely low income (30%) | $24,100 | $27,550 | $31,000 | $34,400 | $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 | $1,338/mo | $1,181 | +13.3% |
| 1 bedroom | $1,392/mo | $1,211 | +14.9% |
| 2 bedrooms | $1,821/mo | $1,589 | +14.6% |
| 3 bedrooms | $2,209/mo | $1,942 | +13.7% |
| 4 bedrooms | $2,393/mo | $2,288 | +4.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: La Plata 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 La Plata 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 La Plata 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 La Plata County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in La Plata County in 2026.
What are the HUD income limits in La Plata County?
For a family of four (FY2026): low income $91,750, very low income $57,350, extremely low income $34,400; area median family income $114,700.
What is the fair market rent in La Plata County?
$1,821 a month for a two-bedroom unit in FY2027 (HUD), $1,392 for one bedroom.