Loan Limits / Colorado / Routt County
2026 Loan Limits · Colorado · STEAMBOAT SPRINGS, CO
Routt County, CO.
2026 conforming and FHA loan limits, calibrated to a median sales price of $947,000. This county is designated high-cost — conforming limits exceed the national baseline.
Median Sales Price
$947,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,089,050
High-cost
FHA 1u Limit
$1,089,050
Mid-tier
Jumbo Threshold
> $1,089,050
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
High-cost| 1-unit (single-family) | $1,089,050 |
| 2-unit (duplex) | $1,394,200 |
| 3-unit (triplex) | $1,685,250 |
| 4-unit (fourplex) | $2,094,350 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $1,089,050 |
| 2-unit (duplex) | $1,394,200 |
| 3-unit (triplex) | $1,685,250 |
| 4-unit (fourplex) | $2,094,350 |
About this county
About Routt County
Routt County is a county located in the U.S. state of Colorado. As of the 2020 census, the population was 24,829. The county seat is Steamboat Springs. Routt County is included in the Steamboat Springs, CO Micropolitan Statistical Area, which also includes neighboring Moffat County. Read more on Wikipedia →
Population
24,990
U.S. Census ACS 2023
Median Household Income
$104,803
U.S. Census ACS 2023
Median Home Value (Census)
$756,200
Owner-occupied · ACS 2023
Owner-Occupancy Rate
76%
Of occupied housing
What these limits mean for buyers in Routt County
The 2026 conforming 1-unit limit for Routt County is $1,089,050. 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. Because Routt County is designated a high-cost area, the limit exceeds the national baseline of $832,750.
For FHA financing, the 2026 1-unit limit is $1,089,050. The HUD CHUMS table pegs the median sales price for Routt County at $947,000. Routt 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 Routt County ($947,000) 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
Routt County 2-, 3-, and 4-unit conforming limits are $1,394,200, $1,685,250, and $2,094,350 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 Routt County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.