Baca County, Colorado has a 2026 one-unit conforming loan limit of $832,750, which is 6.8 times the county's median home value of $122,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $46,215 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $122,900 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 6.78× |
| Median household income | $46,215 |
| Median home value ÷ income | 2.7× |
| Population | 3,428 |
| Median property tax paid (owners) | $545 |
| Effective property tax rate (approx.) | 0.44% |
| Owner-occupied homes | 71.5% |
| Home value rank in Colorado | 63 of 64 counties |
| Neighbor: Bent County, CO | limit $832,750; median home $146,900 |
| Neighbor: Las Animas County, CO | limit $832,750; median home $237,600 |
| Neighbor: Prowers County, CO | limit $832,750; median home $160,600 |
| Neighbor: Morton County, KS | limit $832,750; median home $96,100 |
| Neighbor: Stanton County, KS | limit $832,750; median home $67,800 |
| Neighbor: Union County, NM | limit $832,750; median home $122,700 |
| Neighbor: Cimarron County, OK | limit $832,750; median home $98,600 |
Across Colorado's 64 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 20 high-cost counties. Baca County's median home value is 77% below the state median of $539,400 (rank 63 of 64). Among its 7 neighboring counties, Las Animas County has the highest median home value ($237,600) and Stanton County the lowest ($67,800); all share the same loan limit. Owners pay a median $545 a year in property tax, an effective rate of about 0.44% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Autauga County, AL
- 2026 conforming loan limit: Avery County, NC
- 2026 conforming loan limit: Avoyelles Parish, LA
- 2026 conforming loan limit: Bacon County, GA
- 2026 conforming loan limit: Bailey County, TX
- 2026 conforming loan limit: Baker County, FL
- 2026 conforming loan limit: Baker County, GA
- 2026 conforming loan limit: Baker County, OR
Last updated 2026-10-16. Data only, not financial or tax advice.