FHA Loan Limits in Garfield County, Colorado (2026)
Buying in Garfield County or elsewhere in Garfield 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 Garfield County, from Garfield County outward, and sit alongside the limits set for neighboring Denver and Arapahoe Counties.
FHA affordability around Garfield County
Homes around Garfield County carry an estimated local median near $527,000, so an FHA buyer in Garfield County puts down about $18,445 (3.5%). With Colorado's 0.51% effective property-tax rate, the all-in payment runs near $3,760 a month — comfortable on household income around $146,000, above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Garfield County
Whether you are buying in Garfield County or a smaller Garfield County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $379,000 | $13,265 | $2,737 |
| Local median — $527,000 | $18,445 | $3,760 |
| At the FHA limit — $541,287 | $18,945 | $3,859 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Garfield County too — get notified.
In Garfield County and the surrounding Garfield County market, FHA's appeal is the math: $18,445 down on a $527,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Garfield County
Investors and house-hackers in Garfield County and across Garfield County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Garfield County for 2026?
- In Garfield County (Garfield 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 Garfield County with FHA?
- For a median-priced ($527,000) Garfield County home, plan on income around $146,000 at a 31% housing ratio — about $3,760/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Garfield County?
- 3.5% with a 580+ score — roughly $18,445 on a $527,000 Garfield County-area home. Gift funds are allowed.
- Is Garfield County a high-cost FHA area?
- No — Garfield County uses the $541,287 national floor for one unit.