Laramie County, Wyoming loan limits 2026
FIPS 56021 · 16 ZIP codes, e.g. 82001, 82002, 82003, 82005, 82006, 82007 · metro area (CBSA) 16940
In Laramie County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $541,287. Anything above $832,750 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 Laramie 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) | $832,750 | $541,287 | +3.3% |
| 2 units | $1,066,250 | $693,050 | +3.3% |
| 3 units | $1,288,800 | $837,700 | +3.3% |
| 4 units | $1,601,750 | $1,041,125 | +3.3% |
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. Laramie County is in metro area CBSA 16940; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $104,400 · Cheyenne, WY MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $58,450 | $66,800 | $75,150 | $83,500 | $90,200 | $96,900 | $103,550 | $110,250 |
| Very low income (50%) | $36,550 | $41,800 | $47,000 | $52,200 | $56,400 | $60,600 | $64,750 | $68,950 |
| Extremely low income (30%) | $21,950 | $25,050 | $28,200 | $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 | $855/mo | $809 | +5.7% |
| 1 bedroom | $963/mo | $917 | +5% |
| 2 bedrooms | $1,228/mo | $1,174 | +4.6% |
| 3 bedrooms | $1,700/mo | $1,633 | +4.1% |
| 4 bedrooms | $2,053/mo | $1,969 | +4.3% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Cheyenne, WY MSA.
Other counties in Wyoming
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 Laramie County, WY for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Laramie County?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in Laramie County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Laramie County in 2026.
What are the HUD income limits in Laramie County?
For a family of four (FY2026): low income $83,500, very low income $52,200, extremely low income $33,000; area median family income $104,400.
What is the fair market rent in Laramie County?
$1,228 a month for a two-bedroom unit in FY2027 (HUD), $963 for one bedroom.