Lincoln County, Colorado has a 2026 one-unit conforming loan limit of $832,750, which is 3.4 times the county's median home value of $246,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,861 (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) | $246,500 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 3.38× |
| Median household income | $62,861 |
| Median home value ÷ income | 3.9× |
| Population | 5,550 |
| Median property tax paid (owners) | $1,092 |
| Effective property tax rate (approx.) | 0.44% |
| Owner-occupied homes | 71.7% |
| Home value rank in Colorado | 45 of 64 counties |
| Neighbor: Arapahoe County, CO | limit $862,500; median home $561,200 |
| Neighbor: Cheyenne County, CO | limit $832,750; median home $187,500 |
| Neighbor: Crowley County, CO | limit $832,750; median home $116,200 |
| Neighbor: Elbert County, CO | limit $862,500; median home $709,800 |
| Neighbor: El Paso County, CO | limit $832,750; median home $461,000 |
| Neighbor: Kiowa County, CO | limit $832,750; median home $161,500 |
| Neighbor: Kit Carson County, CO | limit $832,750; median home $239,500 |
| Neighbor: Pueblo County, CO | limit $832,750; median home $291,300 |
Across Colorado's 64 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 20 high-cost counties. Lincoln County's median home value is 54% below the state median of $539,400 (rank 45 of 64). Among its 8 neighboring counties, Elbert County has the highest median home value ($709,800) and Crowley County the lowest ($116,200); 2 neighbor(s) have a different loan limit. Owners pay a median $1,092 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: Limestone County, AL
- 2026 conforming loan limit: Limestone County, TX
- 2026 conforming loan limit: Lincoln County, AR
- 2026 conforming loan limit: Lincoln County, GA
- 2026 conforming loan limit: Lincoln County, ID
- 2026 conforming loan limit: Lincoln County, KS
- 2026 conforming loan limit: Lincoln County, KY
- 2026 conforming loan limit: Lincoln County, ME
Last updated 2026-10-16. Data only, not financial or tax advice.