Colorado · FIPS 08059 · Metro: Denver-Aurora-Centennial, CO
2026 loan limits in Jefferson County, Colorado
Jefferson County’s 2026 one-unit conforming limit is $862,500. Next door in Teller County, it is $832,750, $29,750 lower. The 2026 FHA limit here is $862,500.
- $862,500Conforming, 1 unit (2026)+$28,750 vs 2025
- $862,500FHA, 1 unit (2026)+$28,750 vs 2025
- $637,600Median home valuelimit is 1.4× this (ACS 2020-2024)
- $832,750Lowest limit next doorTeller County
Loan limits next door
| County | Conforming 2026 1-unit | FHA 2026 1-unit | Median home value (ACS) |
|---|---|---|---|
| Teller County | $832,750 | $541,650 | $479,900 |
| Boulder County | $879,750 | $879,750 | $756,300 |
| Adams County | $862,500 | $862,500 | $484,200 |
| Arapahoe County | $862,500 | $862,500 | $561,200 |
| Broomfield County | $862,500 | $862,500 | $664,500 |
| Clear Creek County | $862,500 | $862,500 | $608,500 |
| Denver County | $862,500 | $862,500 | $616,000 |
| Douglas County | $862,500 | $862,500 | $713,600 |
| Gilpin County | $862,500 | $862,500 | $573,900 |
| Park County | $862,500 | $862,500 | $532,100 |
Neighbors are from the U.S. Census Bureau county adjacency file (2024). Median home values: Census ACS 2020-2024, table B25077.
| Property | Conforming 2026 | Conforming 2025 | Conforming 2024 | Change vs 2025 | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|---|
| 1 unit | $862,500 | $833,750 | $816,500 | +$28,750 (+3.4%) | $862,500 | $833,750 |
| 2 units | $1,104,150 | $1,067,350 | $1,045,250 | +$36,800 (+3.4%) | $1,104,150 | $1,067,350 |
| 3 units | $1,334,700 | $1,290,200 | $1,263,500 | +$44,500 (+3.4%) | $1,334,700 | $1,290,200 |
| 4 units | $1,658,700 | $1,603,400 | $1,570,200 | +$55,300 (+3.4%) | $1,658,700 | $1,603,400 |
| VA basis, 1 unit | $862,500 | $833,750 | $816,500 | +$28,750 (+3.4%) | not used | not used |
VA uses the one-unit conforming limit to work out remaining entitlement when some entitlement is in use; with full entitlement there is no VA limit.
Denver-Aurora-Centennial, CO metro: 10 counties, one limit
FHFA sets one conforming limit per metro area, so every county in the Denver-Aurora-Centennial, CO metro has a 2026 one-unit limit of $862,500.
- Adams County, CO
- Arapahoe County, CO
- Broomfield County, CO
- Clear Creek County, CO
- Denver County, CO
- Douglas County, CO
- Elbert County, CO
- Gilpin County, CO
- Jefferson County, CO (this county)
- Park County, CO
How Jefferson County compares
- Colorado median one-unit conforming limit: $832,750 across 64 counties. This county is above the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is $29,750 above the baseline.
- Tied with 9 other Colorado counties at $862,500.
- HUD area: Denver-Aurora-Centennial, CO (CBSA 19740). Median sale price HUD used to set the 2026 FHA limit: $750,000.
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- FHFA 2024 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
- U.S. Census Bureau, County Adjacency File (2024), file dated August 20, 2024.
- U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, table B25077 (median value, owner-occupied housing units), summary file dated January 29, 2026.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.