Montrose County, Colorado has a 2026 one-unit conforming loan limit of $832,750, which is 2.1 times the county's median home value of $388,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,120 (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) | $388,400 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 2.14× |
| Median household income | $72,120 |
| Median home value ÷ income | 5.4× |
| Population | 43,807 |
| Median property tax paid (owners) | $1,385 |
| Effective property tax rate (approx.) | 0.36% |
| Owner-occupied homes | 75.4% |
| Home value rank in Colorado | 33 of 64 counties |
| Neighbor: Delta County, CO | limit $832,750; median home $343,200 |
| Neighbor: Gunnison County, CO | limit $832,750; median home $621,800 |
| Neighbor: Mesa County, CO | limit $832,750; median home $378,600 |
| Neighbor: Ouray County, CO | limit $832,750; median home $739,800 |
| Neighbor: San Miguel County, CO | limit $994,750; median home $720,700 |
| Neighbor: Grand County, UT | limit $839,500; median home $538,700 |
| 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. Montrose County's median home value is 28% below the state median of $539,400 (rank 33 of 64). Among its 7 neighboring counties, Ouray County has the highest median home value ($739,800) and San Juan County the lowest ($224,200); 2 neighbor(s) have a different loan limit. Owners pay a median $1,385 a year in property tax, an effective rate of about 0.36% 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: Moody County, SD
- 2026 conforming loan limit: Moore County, NC
- 2026 conforming loan limit: Moore County, TN
- 2026 conforming loan limit: Moore County, TX
- 2026 conforming loan limit: Mora County, NM
Last updated 2026-10-16. Data only, not financial or tax advice.