Moffat County, Colorado loan limits 2026
FIPS 08081 · 6 ZIP codes, e.g. 81610, 81625, 81626, 81633, 81638, 81640 · metro area (CBSA) 18780
In Moffat County the 2026 conforming loan limit is $1,089,050 for a single-family home — a high-cost area, 30.8% above the national baseline. The FHA limit is $1,089,050. Anything above $1,089,050 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 Moffat 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) | $1,089,050 | $1,089,050 | +35% |
| 2 units | $1,394,200 | $1,394,200 | +35% |
| 3 units | $1,685,250 | $1,685,250 | +35% |
| 4 units | $2,094,350 | $2,094,350 | +35% |
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. Moffat County is in metro area CBSA 18780; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $96,100 · Moffat County, CO
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $54,550 | $62,350 | $70,150 | $77,900 | $84,150 | $90,400 | $96,600 | $102,850 |
| Very low income (50%) | $34,100 | $39,000 | $43,850 | $48,700 | $52,600 | $56,500 | $60,400 | $64,300 |
| Extremely low income (30%) | $20,450 | $23,400 | $27,320 | $33,000 | $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 | $910/mo | $881 | +3.3% |
| 1 bedroom | $936/mo | $887 | +5.5% |
| 2 bedrooms | $1,225/mo | $1,164 | +5.2% |
| 3 bedrooms | $1,586/mo | $1,396 | +13.6% |
| 4 bedrooms | $1,992/mo | $1,614 | +23.4% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Moffat 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 Moffat County, CO for 2026?
$1,089,050 for a one-unit property ($1,394,200 for 2 units, $1,685,250 for 3, $2,094,350 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Moffat County?
$1,089,050 for a single-family home in 2026 (HUD), up to $2,094,350 for a four-unit property.
What counts as a jumbo loan in Moffat County?
A mortgage above $1,089,050 for a single-family home is a jumbo (non-conforming) loan in Moffat County in 2026.
What are the HUD income limits in Moffat County?
For a family of four (FY2026): low income $77,900, very low income $48,700, extremely low income $33,000; area median family income $96,100.
What is the fair market rent in Moffat County?
$1,225 a month for a two-bedroom unit in FY2027 (HUD), $936 for one bedroom.