Pitkin County, Colorado loan limits 2026
FIPS 08097 · 7 ZIP codes, e.g. 81611, 81612, 81615, 81623, 81642, 81654 · metro area (CBSA) 24060
In Pitkin County the 2026 conforming loan limit is $1,209,750 for a single-family home — a high-cost area, 45.3% above the national baseline. The FHA limit is $1,249,125. Anything above $1,209,750 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 Pitkin 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) | $1,209,750 | $1,249,125 | 0% |
| 2 units | $1,548,975 | $1,599,375 | 0% |
| 3 units | $1,872,225 | $1,933,200 | 0% |
| 4 units | $2,326,875 | $2,402,625 | 0% |
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. Pitkin County is in metro area CBSA 24060; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $142,100 · Pitkin County, CO
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $74,800 | $85,450 | $96,150 | $106,800 | $115,350 | $123,900 | $132,450 | $141,000 |
| Very low income (50%) | $49,750 | $56,850 | $63,950 | $71,050 | $76,750 | $82,450 | $88,150 | $93,800 |
| Extremely low income (30%) | $29,900 | $34,150 | $38,400 | $42,650 | $46,100 | $49,500 | $52,900 | $56,300 |
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 | $1,808/mo | $1,526 | +18.5% |
| 1 bedroom | $2,169/mo | $2,020 | +7.4% |
| 2 bedrooms | $2,597/mo | $2,214 | +17.3% |
| 3 bedrooms | $3,346/mo | $2,826 | +18.4% |
| 4 bedrooms | $4,033/mo | $3,471 | +16.2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Pitkin County, CO.
Same metro area
Counties in CBSA 24060 share the same loan limits.
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 Pitkin County, CO for 2026?
$1,209,750 for a one-unit property ($1,548,975 for 2 units, $1,872,225 for 3, $2,326,875 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in Pitkin County?
$1,249,125 for a single-family home in 2026 (HUD), up to $2,402,625 for a four-unit property.
What counts as a jumbo loan in Pitkin County?
A mortgage above $1,209,750 for a single-family home is a jumbo (non-conforming) loan in Pitkin County in 2026.
What are the HUD income limits in Pitkin County?
For a family of four (FY2026): low income $106,800, very low income $71,050, extremely low income $42,650; area median family income $142,100.
What is the fair market rent in Pitkin County?
$2,597 a month for a two-bedroom unit in FY2027 (HUD), $2,169 for one bedroom.