Garfield County, Colorado has a 2026 one-unit conforming loan limit of $1,209,750, which is 2.3 times the county's median home value of $527,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $91,131 (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) | $1,209,750 |
| 2-unit limit | $1,548,975 |
| 3-unit limit | $1,872,225 |
| 4-unit limit | $2,326,875 |
| Median home value (ACS 2020–24) | $527,800 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 2.29× |
| Median household income | $91,131 |
| Median home value ÷ income | 5.8× |
| Population | 62,479 |
| Median property tax paid (owners) | $2,201 |
| Effective property tax rate (approx.) | 0.42% |
| Owner-occupied homes | 69.6% |
| Home value rank in Colorado | 22 of 64 counties |
| Neighbor: Eagle County, CO | limit $1,249,125; median home $839,500 |
| Neighbor: Mesa County, CO | limit $832,750; median home $378,600 |
| Neighbor: Pitkin County, CO | limit $1,209,750; median home $1,139,100 |
| Neighbor: Rio Blanco County, CO | limit $832,750; median home $274,400 |
| Neighbor: Routt County, CO | limit $1,089,050; median home $854,700 |
| Neighbor: Grand County, UT | limit $839,500; median home $538,700 |
| Neighbor: Uintah County, UT | limit $832,750; median home $298,600 |
Across Colorado's 64 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 20 high-cost counties. Garfield County's median home value is 2% below the state median of $539,400 (rank 22 of 64). Among its 7 neighboring counties, Pitkin County has the highest median home value ($1,139,100) and Rio Blanco County the lowest ($274,400); 6 neighbor(s) have a different loan limit. Owners pay a median $2,201 a year in property tax, an effective rate of about 0.42% 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: Garfield County, MT
- 2026 conforming loan limit: Garfield County, NE
- 2026 conforming loan limit: Garfield County, OK
- 2026 conforming loan limit: Garfield County, UT
- 2026 conforming loan limit: Garfield County, WA
Last updated 2026-10-16. Data only, not financial or tax advice.