Lake County, Colorado loan limits 2026
FIPS 08065 · 3 ZIP codes, e.g. 80429, 80461, 81251
In Lake County the 2026 conforming loan limit is $1,092,500 for a single-family home — a high-cost area, 31.2% above the national baseline. The FHA limit is $1,092,500. Anything above $1,092,500 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 Lake 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) | $1,092,500 | $1,092,500 | +35.5% |
| 2 units | $1,398,600 | $1,398,600 | +35.4% |
| 3 units | $1,690,600 | $1,690,600 | +35.4% |
| 4 units | $2,101,000 | $2,101,000 | +35.4% |
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: $124,600 · Lake County, CO
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $64,350 | $73,550 | $82,750 | $91,900 | $99,300 | $106,650 | $114,000 | $121,350 |
| Very low income (50%) | $40,200 | $45,950 | $51,700 | $57,450 | $62,050 | $66,650 | $71,200 | $75,800 |
| Extremely low income (30%) | $24,150 | $27,600 | $31,050 | $34,450 | $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 | $1,103/mo | $1,017 | +8.5% |
| 1 bedroom | $1,143/mo | $1,024 | +11.6% |
| 2 bedrooms | $1,485/mo | $1,343 | +10.6% |
| 3 bedrooms | $1,913/mo | $1,714 | +11.6% |
| 4 bedrooms | $2,306/mo | $2,106 | +9.5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Lake 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 Lake County, CO for 2026?
$1,092,500 for a one-unit property ($1,398,600 for 2 units, $1,690,600 for 3, $2,101,000 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Lake County?
$1,092,500 for a single-family home in 2026 (HUD), up to $2,101,000 for a four-unit property.
What counts as a jumbo loan in Lake County?
A mortgage above $1,092,500 for a single-family home is a jumbo (non-conforming) loan in Lake County in 2026.
What are the HUD income limits in Lake County?
For a family of four (FY2026): low income $91,900, very low income $57,450, extremely low income $34,450; area median family income $124,600.
What is the fair market rent in Lake County?
$1,485 a month for a two-bedroom unit in FY2027 (HUD), $1,143 for one bedroom.