Loan Limits / Colorado / La Plata County
2026 Loan Limits · Colorado · DURANGO, CO
La Plata County, CO.
2026 conforming and FHA loan limits, calibrated to a median sales price of $650,000.
Median Sales Price
$650,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$747,500
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $747,500 |
| 2-unit (duplex) | $956,950 |
| 3-unit (triplex) | $1,156,700 |
| 4-unit (fourplex) | $1,437,500 |
About this county
About La Plata County
La Plata County is a county located in the U.S. state of Colorado. As of the 2020 census, the population was 55,638. The county seat is Durango. The county was named for the La Plata River and the La Plata Mountains. "La plata" means "the silver" in Spanish. La Plata County comprises the Durango, CO Micropolitan Statistical Area. The county is home to Durango Rock Shelters Archeology Site, the type site for the Basketmaker II period of Anasazi culture. Read more on Wikipedia →
Population
56,088
U.S. Census ACS 2023
Median Household Income
$85,296
U.S. Census ACS 2023
Median Home Value (Census)
$549,100
Owner-occupied · ACS 2023
Owner-Occupancy Rate
71%
Of occupied housing
What these limits mean for buyers in La Plata County
The 2026 conforming 1-unit limit for La Plata County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. La Plata County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $747,500. The HUD CHUMS table pegs the median sales price for La Plata County at $650,000. La Plata County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in La Plata County ($650,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
La Plata County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in La Plata County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.