Phillips County, Colorado has a 2026 one-unit conforming loan limit of $832,750, which is 3.2 times the county's median home value of $258,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,674 (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) | $258,200 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 3.23× |
| Median household income | $64,674 |
| Median home value ÷ income | 4.0× |
| Population | 4,496 |
| Median property tax paid (owners) | $1,456 |
| Effective property tax rate (approx.) | 0.56% |
| Owner-occupied homes | 71.9% |
| Home value rank in Colorado | 42 of 64 counties |
| Neighbor: Logan County, CO | limit $832,750; median home $245,300 |
| Neighbor: Sedgwick County, CO | limit $832,750; median home $149,000 |
| Neighbor: Yuma County, CO | limit $832,750; median home $211,700 |
| Neighbor: Chase County, NE | limit $832,750; median home $165,900 |
| Neighbor: Perkins County, NE | limit $832,750; median home $157,200 |
Across Colorado's 64 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 20 high-cost counties. Phillips County's median home value is 52% below the state median of $539,400 (rank 42 of 64). Among its 5 neighboring counties, Logan County has the highest median home value ($245,300) and Sedgwick County the lowest ($149,000); all share the same loan limit. Owners pay a median $1,456 a year in property tax, an effective rate of about 0.56% 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: Phelps County, NE
- 2026 conforming loan limit: Philadelphia County, PA
- 2026 conforming loan limit: Phillips County, AR
- 2026 conforming loan limit: Phillips County, KS
- 2026 conforming loan limit: Phillips County, MT
- 2026 conforming loan limit: Piatt County, IL
- 2026 conforming loan limit: Pickaway County, OH
- 2026 conforming loan limit: Pickens County, AL
Last updated 2026-10-16. Data only, not financial or tax advice.