FHA Loan Limits in Mesa County, Colorado (2026)
Buying in Mesa County or elsewhere in Mesa 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 |
Every community in Mesa County — Mesa County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Denver and Arapahoe Counties.
FHA affordability around Mesa County
With Mesa County's median sale price estimated near $400,000 (think Mesa County), the FHA down payment is roughly $14,000. Factoring Colorado property taxes near 0.51%, expect about $2,882 monthly, pointing to income near $112,000 — above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Mesa County
Here is what an FHA payment looks like at three Mesa County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $288,000 | $10,080 | $2,108 |
| Local median — $400,000 | $14,000 | $2,882 |
| At the FHA limit — $541,287 | $18,945 | $3,859 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Mesa County too — get notified.
Buyers across Mesa County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,000 down payment near Mesa County into little out of pocket.
Multi-unit FHA limits in Mesa County
Looking at a duplex or fourplex near Mesa County? FHA allows up to $692,997 on two units and $1,041,072 on four in Mesa 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 Mesa County for 2026?
- In Mesa County (Mesa 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 Mesa County with FHA?
- For a median-priced ($400,000) Mesa County home, plan on income around $112,000 at a 31% housing ratio — about $2,882/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Mesa County?
- 3.5% with a 580+ score — roughly $14,000 on a $400,000 Mesa County-area home. Gift funds are allowed.
- Is Mesa County a high-cost FHA area?
- No — Mesa County uses the $541,287 national floor for one unit.