Moffat County, Colorado has a 2026 one-unit conforming loan limit of $1,089,050, which is 3.8 times the county's median home value of $289,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,849 (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) | $1,089,050 |
| 2-unit limit | $1,394,200 |
| 3-unit limit | $1,685,250 |
| 4-unit limit | $2,094,350 |
| Median home value (ACS 2020–24) | $289,500 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 3.76× |
| Median household income | $73,849 |
| Median home value ÷ income | 3.9× |
| Population | 13,207 |
| Median property tax paid (owners) | $1,146 |
| Effective property tax rate (approx.) | 0.40% |
| Owner-occupied homes | 69.4% |
| Home value rank in Colorado | 40 of 64 counties |
| 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: Daggett County, UT | limit $832,750; median home $282,300 |
| Neighbor: Uintah County, UT | limit $832,750; median home $298,600 |
| Neighbor: Carbon County, WY | limit $832,750; median home $222,700 |
| Neighbor: Sweetwater County, WY | limit $832,750; median home $251,400 |
Across Colorado's 64 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 20 high-cost counties. Moffat County's median home value is 46% below the state median of $539,400 (rank 40 of 64). Among its 6 neighboring counties, Routt County has the highest median home value ($854,700) and Carbon County the lowest ($222,700); 5 neighbor(s) have a different loan limit. Owners pay a median $1,146 a year in property tax, an effective rate of about 0.40% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.