Costilla County, Colorado has a 2026 one-unit conforming loan limit of $832,750, which is 4.5 times the county's median home value of $184,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $36,861 (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) | $184,700 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 4.51× |
| Median household income | $36,861 |
| Median home value ÷ income | 5.0× |
| Population | 3,607 |
| Median property tax paid (owners) | $582 |
| Effective property tax rate (approx.) | 0.32% |
| Owner-occupied homes | 79.0% |
| Home value rank in Colorado | 57 of 64 counties |
| Neighbor: Alamosa County, CO | limit $832,750; median home $239,100 |
| Neighbor: Conejos County, CO | limit $832,750; median home $193,400 |
| Neighbor: Huerfano County, CO | limit $832,750; median home $247,800 |
| Neighbor: Las Animas County, CO | limit $832,750; median home $237,600 |
| Neighbor: Colfax County, NM | limit $832,750; median home $167,200 |
| Neighbor: Taos County, NM | limit $832,750; median home $382,800 |
Across Colorado's 64 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 20 high-cost counties. Costilla County's median home value is 66% below the state median of $539,400 (rank 57 of 64). Among its 6 neighboring counties, Taos County has the highest median home value ($382,800) and Colfax County the lowest ($167,200); all share the same loan limit. Owners pay a median $582 a year in property tax, an effective rate of about 0.32% 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
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- 2026 conforming loan limit: Cotton County, OK
- 2026 conforming loan limit: Cottonwood County, MN
- 2026 conforming loan limit: Covington City, VA
- 2026 conforming loan limit: Covington County, AL
Last updated 2026-10-16. Data only, not financial or tax advice.