FHA Loan Limits in Otero County, Colorado (2026)
Otero County and the rest of Otero County, Colorado fall under a 2026 one-unit FHA limit of $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 Otero County — Otero County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Denver and Arapahoe Counties.
How much home can you afford in Otero County?
Homes around Otero County carry an estimated local median near $590,000, so an FHA buyer in Otero County puts down about $18,945 (3.5%). With Colorado's 0.51% effective property-tax rate, the all-in payment runs near $3,859 a month — comfortable on household income around $149,000, above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Otero County
Whether you are buying in Otero County or a smaller Otero 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 — $425,000 | $14,875 | $3,055 |
| Local median — $541,287 | $18,945 | $3,859 |
| At the FHA limit — $541,287 | $18,945 | $3,859 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Otero County too — get notified.
Buyers across Otero County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near Otero County into little out of pocket.
Multi-unit FHA limits in Otero County
Investors and house-hackers in Otero County and across Otero 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 Otero County for 2026?
- In Otero County (Otero 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 Otero County with FHA?
- For a median-priced ($541,287) Otero County home, plan on income around $149,000 at a 31% housing ratio — about $3,859/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Otero County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Otero County-area home. Gift funds are allowed.
- Is Otero County a high-cost FHA area?
- No — Otero County uses the $541,287 national floor for one unit.