San Miguel County, Colorado has a 2026 one-unit conforming loan limit of $994,750, which is 1.4 times the county's median home value of $720,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $79,024 (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) | $994,750 |
| 2-unit limit | $1,273,450 |
| 3-unit limit | $1,539,350 |
| 4-unit limit | $1,913,000 |
| Median home value (ACS 2020–24) | $720,700 |
| Colorado median home value | $539,400 |
| Limit ÷ median home value | 1.38× |
| Median household income | $79,024 |
| Median home value ÷ income | 9.1× |
| Population | 7,968 |
| Median property tax paid (owners) | $1,900 |
| Effective property tax rate (approx.) | 0.26% |
| Owner-occupied homes | 63.0% |
| Home value rank in Colorado | 7 of 64 counties |
| Neighbor: Dolores County, CO | limit $832,750; median home $247,600 |
| Neighbor: Montrose County, CO | limit $832,750; median home $388,400 |
| Neighbor: Ouray County, CO | limit $832,750; median home $739,800 |
| Neighbor: San Juan County, CO | limit $832,750; median home $432,500 |
| 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. San Miguel County's median home value is 34% above the state median of $539,400 (rank 7 of 64). Among its 5 neighboring counties, Ouray County has the highest median home value ($739,800) and San Juan County the lowest ($224,200); 5 neighbor(s) have a different loan limit. Owners pay a median $1,900 a year in property tax, an effective rate of about 0.26% 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: San Lorenzo Municipio, PR
- 2026 conforming loan limit: San Luis Obispo County, CA
- 2026 conforming loan limit: San Mateo County, CA
- 2026 conforming loan limit: San Miguel County, NM
- 2026 conforming loan limit: San Patricio County, TX
- 2026 conforming loan limit: San Saba County, TX
- 2026 conforming loan limit: San Sebastian Municipio, PR
- 2026 conforming loan limit: Sanborn County, SD
Last updated 2026-10-16. Data only, not financial or tax advice.