FHA Loan Limits in El Paso County, Colorado (2026)
Buying in El Paso County or elsewhere in El Paso County? The 2026 FHA single-family limit across the county 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 |
These 2026 limits apply throughout El Paso County, from El Paso County outward, and sit alongside the limits set for neighboring Denver and Arapahoe Counties.
FHA affordability around El Paso County
With El Paso County's median sale price estimated near $460,000 (think El Paso County), the FHA down payment is roughly $16,100. Factoring Colorado property taxes near 0.51%, expect about $3,297 monthly, pointing to income near $128,000 — above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in El Paso County
FHA payments across El Paso County price points — from entry homes near El Paso County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $331,000 | $11,585 | $2,405 |
| Local median — $460,000 | $16,100 | $3,297 |
| At the FHA limit — $541,287 | $18,945 | $3,859 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near El Paso County too — get notified.
In El Paso County and the surrounding El Paso County market, FHA's appeal is the math: $16,100 down on a $460,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in El Paso County
El Paso County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in El Paso 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 El Paso County for 2026?
- In El Paso County (El Paso 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 El Paso County with FHA?
- For a median-priced ($460,000) El Paso County home, plan on income around $128,000 at a 31% housing ratio — about $3,297/month including taxes, insurance, and MIP.
- How much is the FHA down payment in El Paso County?
- 3.5% with a 580+ score — roughly $16,100 on a $460,000 El Paso County-area home. Gift funds are allowed.
- Is El Paso County a high-cost FHA area?
- No — El Paso County uses the $541,287 national floor for one unit.