FHA Loan Limits in Jefferson County, Colorado (2026)
Buying in Jefferson County or elsewhere in Jefferson County? The 2026 FHA single-family limit across the county is $893,000. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $893,000 |
| Two-unit (duplex) | $1,143,287 |
| Three-unit (triplex) | $1,382,046 |
| Four-unit (fourplex) | $1,717,530 |
Every community in Jefferson County — Jefferson County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Denver and Arapahoe Counties.
FHA affordability around Jefferson County
With Jefferson County's median sale price estimated near $610,000 (think Jefferson County), the FHA down payment is roughly $21,350. Factoring Colorado property taxes near 0.51%, expect about $4,334 monthly, pointing to income near $168,000 — above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Jefferson County
Here is what an FHA payment looks like at three Jefferson County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $439,000 | $15,365 | $3,151 |
| Local median — $610,000 | $21,350 | $4,334 |
| At the FHA limit — $893,000 | $31,255 | $6,290 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Jefferson County too — get notified.
Buyers across Jefferson County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $21,350 down payment near Jefferson County into little out of pocket.
Multi-unit FHA limits in Jefferson County
Looking at a duplex or fourplex near Jefferson County? FHA allows up to $1,143,287 on two units and $1,717,530 on four in Jefferson County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Jefferson County for 2026?
- In Jefferson County (Jefferson County), the 2026 FHA limit is $893,000 for one unit, $1,143,287 for a duplex, $1,382,046 for a triplex, and $1,717,530 for a fourplex.
- What income do I need to buy in Jefferson County with FHA?
- For a median-priced ($610,000) Jefferson County home, plan on income around $168,000 at a 31% housing ratio — about $4,334/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jefferson County?
- 3.5% with a 580+ score — roughly $21,350 on a $610,000 Jefferson County-area home. Gift funds are allowed.
- Is Jefferson County a high-cost FHA area?
- Yes — Jefferson County's $893,000 one-unit limit tops the $541,287 national floor.