Montezuma County, Colorado has a 2026 one-unit conforming loan limit of $832,750, which is 2.5 times the county's median home value of $331,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,244 (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) | $331,400 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 2.51× |
| Median household income | $65,244 |
| Median home value ÷ income | 5.1× |
| Population | 26,412 |
| Median property tax paid (owners) | $958 |
| Effective property tax rate (approx.) | 0.29% |
| Owner-occupied homes | 76.2% |
| Home value rank in Colorado | 37 of 64 counties |
| Neighbor: Apache County, AZ | limit $832,750; median home $63,700 |
| Neighbor: Dolores County, CO | limit $832,750; median home $247,600 |
| Neighbor: La Plata County, CO | limit $832,750; median home $591,500 |
| Neighbor: San Juan County, CO | limit $832,750; median home $432,500 |
| Neighbor: San Juan County, NM | limit $832,750; median home $193,800 |
| Neighbor: San Juan County, UT | limit $832,750; median home $224,200 |
Across Colorado's 64 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 20 high-cost counties. Montezuma County's median home value is 39% below the state median of $539,400 (rank 37 of 64). Among its 6 neighboring counties, La Plata County has the highest median home value ($591,500) and Apache County the lowest ($63,700); all share the same loan limit. Owners pay a median $958 a year in property tax, an effective rate of about 0.29% 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.