FHA Loan Limits in Eagle County, Colorado (2026)
In Eagle County — anchored by Eagle County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Mountain West.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Eagle County — Eagle County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Denver and Arapahoe Counties.
Affording a home in Eagle County & Eagle County
With Eagle County's median sale price estimated near $511,000 (think Eagle County), the FHA down payment is roughly $17,885. Factoring Colorado property taxes near 0.51%, expect about $3,649 monthly, pointing to income near $141,000 — above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Eagle County
FHA payments across Eagle County price points — from entry homes near Eagle County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $368,000 | $12,880 | $2,661 |
| Local median — $511,000 | $17,885 | $3,649 |
| At the FHA limit — $541,287 | $18,945 | $3,859 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Eagle County too — get notified.
Buyers across Eagle County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,885 down payment near Eagle County into little out of pocket.
Multi-unit FHA limits in Eagle County
Eagle County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Eagle 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 Eagle County for 2026?
- In Eagle County (Eagle County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Eagle County with FHA?
- For a median-priced ($511,000) Eagle County home, plan on income around $141,000 at a 31% housing ratio — about $3,649/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Eagle County?
- 3.5% with a 580+ score — roughly $17,885 on a $511,000 Eagle County-area home. Gift funds are allowed.
- Is Eagle County a high-cost FHA area?
- No — Eagle County uses the $541,287 national floor for one unit.