FHA Loan Limits in Boulder County, Colorado (2026)
Boulder County and the rest of Boulder County, Colorado fall under a 2026 one-unit FHA limit of $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
Every community in Boulder County — Boulder County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Denver and Arapahoe Counties.
How much home can you afford in Boulder County?
With Boulder County's median sale price estimated near $760,000 (think Boulder County), the FHA down payment is roughly $26,600. Factoring Colorado property taxes near 0.51%, expect about $5,371 monthly, pointing to income near $208,000 — above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Boulder County
FHA payments across Boulder County price points — from entry homes near Boulder County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $547,000 | $19,145 | $3,898 |
| Local median — $760,000 | $26,600 | $5,371 |
| At the FHA limit — $1,249,125 | $43,719 | $8,752 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Boulder County too — get notified.
Buyers across Boulder County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $26,600 down payment near Boulder County into little out of pocket.
Multi-unit FHA limits in Boulder County
Boulder County's 2026 multi-unit FHA limits reach $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex) — so a buyer in Boulder County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Boulder County for 2026?
- In Boulder County (Boulder County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Boulder County with FHA?
- For a median-priced ($760,000) Boulder County home, plan on income around $208,000 at a 31% housing ratio — about $5,371/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Boulder County?
- 3.5% with a 580+ score — roughly $26,600 on a $760,000 Boulder County-area home. Gift funds are allowed.
- Is Boulder County a high-cost FHA area?
- Yes — Boulder County's $1,249,125 one-unit limit tops the $541,287 national floor.