Routt County, Colorado has a 2026 one-unit conforming loan limit of $1,089,050, which is 1.3 times the county's median home value of $854,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $106,489 (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) | $854,700 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 1.27× |
| Median household income | $106,489 |
| Median home value ÷ income | 8.0× |
| Population | 25,084 |
| Median property tax paid (owners) | $2,736 |
| Effective property tax rate (approx.) | 0.32% |
| Owner-occupied homes | 76.0% |
| Home value rank in Colorado | 3 of 64 counties |
| Neighbor: Eagle County, CO | limit $1,249,125; median home $839,500 |
| Neighbor: Garfield County, CO | limit $1,209,750; median home $527,800 |
| Neighbor: Grand County, CO | limit $883,200; median home $601,500 |
| Neighbor: Jackson County, CO | limit $832,750; median home $239,600 |
| Neighbor: Moffat County, CO | limit $1,089,050; median home $289,500 |
| Neighbor: Rio Blanco County, CO | limit $832,750; median home $274,400 |
| Neighbor: Carbon County, WY | limit $832,750; median home $222,700 |
Across Colorado's 64 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 20 high-cost counties. Routt County's median home value is 58% above the state median of $539,400 (rank 3 of 64). Among its 7 neighboring counties, Eagle County has the highest median home value ($839,500) and Carbon County the lowest ($222,700); 6 neighbor(s) have a different loan limit. Owners pay a median $2,736 a year in property tax, an effective rate of about 0.32% 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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Last updated 2026-10-16. Data only, not financial or tax advice.