San Miguel County, Colorado loan limits 2026
FIPS 08113 · 5 ZIP codes, e.g. 81423, 81426, 81430, 81431, 81435
In San Miguel County the 2026 conforming loan limit is $994,750 for a single-family home — a high-cost area, 19.5% above the national baseline. The FHA limit is $1,045,350. Anything above $994,750 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 San Miguel 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) | $994,750 | $1,045,350 | 0% |
| 2 units | $1,273,450 | $1,338,250 | 0% |
| 3 units | $1,539,350 | $1,617,650 | 0% |
| 4 units | $1,913,000 | $2,010,350 | 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.
HUD income limits FY2026
Area median family income: $131,100 · San Miguel County, CO
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $73,450 | $83,950 | $94,450 | $104,900 | $113,300 | $121,700 | $130,100 | $138,500 |
| Very low income (50%) | $45,900 | $52,450 | $59,000 | $65,550 | $70,800 | $76,050 | $81,300 | $86,550 |
| Extremely low income (30%) | $27,550 | $31,500 | $35,450 | $39,350 | $42,500 | $45,650 | $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 | $1,136/mo | $1,245 | -8.8% |
| 1 bedroom | $1,377/mo | $1,254 | +9.8% |
| 2 bedrooms | $1,631/mo | $1,645 | -0.9% |
| 3 bedrooms | $2,258/mo | $2,288 | -1.3% |
| 4 bedrooms | $2,533/mo | $2,579 | -1.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: San Miguel 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 San Miguel County, CO for 2026?
$994,750 for a one-unit property ($1,273,450 for 2 units, $1,539,350 for 3, $1,913,000 for 4), set by the FHFA; it was $994,750 in 2025.
What is the FHA loan limit in San Miguel County?
$1,045,350 for a single-family home in 2026 (HUD), up to $2,010,350 for a four-unit property.
What counts as a jumbo loan in San Miguel County?
A mortgage above $994,750 for a single-family home is a jumbo (non-conforming) loan in San Miguel County in 2026.
What are the HUD income limits in San Miguel County?
For a family of four (FY2026): low income $104,900, very low income $65,550, extremely low income $39,350; area median family income $131,100.
What is the fair market rent in San Miguel County?
$1,631 a month for a two-bedroom unit in FY2027 (HUD), $1,377 for one bedroom.