Otero County, Colorado has a 2026 one-unit conforming loan limit of $832,750, which is 4.9 times the county's median home value of $168,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $54,037 (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) | $168,900 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 4.93× |
| Median household income | $54,037 |
| Median home value ÷ income | 3.1× |
| Population | 18,321 |
| Median property tax paid (owners) | $520 |
| Effective property tax rate (approx.) | 0.31% |
| Owner-occupied homes | 68.9% |
| Home value rank in Colorado | 58 of 64 counties |
| Neighbor: Bent County, CO | limit $832,750; median home $146,900 |
| Neighbor: Crowley County, CO | limit $832,750; median home $116,200 |
| Neighbor: Kiowa County, CO | limit $832,750; median home $161,500 |
| Neighbor: Las Animas County, CO | limit $832,750; median home $237,600 |
| 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. Otero County's median home value is 69% below the state median of $539,400 (rank 58 of 64). Among its 5 neighboring counties, Pueblo County has the highest median home value ($291,300) and Crowley County the lowest ($116,200); all share the same loan limit. Owners pay a median $520 a year in property tax, an effective rate of about 0.31% 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: Otsego County, MI
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Last updated 2026-10-16. Data only, not financial or tax advice.