Summit County, Colorado loan limits 2026
FIPS 08117 · 5 ZIP codes, e.g. 80424, 80435, 80443, 80497, 80498 · metro area (CBSA) 14720
In Summit 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 Summit 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 | +2.4% |
| 2 units | $1,398,600 | $1,398,600 | +2.4% |
| 3 units | $1,690,600 | $1,690,600 | +2.4% |
| 4 units | $2,101,000 | $2,101,000 | +2.4% |
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. Summit County is in metro area CBSA 14720; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $145,800 · Summit County, CO
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $80,550 | $92,050 | $103,550 | $115,050 | $124,300 | $133,500 | $142,700 | $151,900 |
| Very low income (50%) | $51,050 | $58,350 | $65,650 | $72,900 | $78,750 | $84,600 | $90,400 | $96,250 |
| Extremely low income (30%) | $30,650 | $35,000 | $39,400 | $43,750 | $47,250 | $50,750 | $54,250 | $57,750 |
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 | $1,926/mo | $1,701 | +13.2% |
| 1 bedroom | $2,114/mo | $1,880 | +12.4% |
| 2 bedrooms | $2,766/mo | $2,467 | +12.1% |
| 3 bedrooms | $3,296/mo | $2,958 | +11.4% |
| 4 bedrooms | $3,749/mo | $3,268 | +14.7% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Summit 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 Summit 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 $1,067,200 in 2025.
What is the FHA loan limit in Summit 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 Summit County?
A mortgage above $1,092,500 for a single-family home is a jumbo (non-conforming) loan in Summit County in 2026.
What are the HUD income limits in Summit County?
For a family of four (FY2026): low income $115,050, very low income $72,900, extremely low income $43,750; area median family income $145,800.
What is the fair market rent in Summit County?
$2,766 a month for a two-bedroom unit in FY2027 (HUD), $2,114 for one bedroom.