FHA Loan Limits in Pueblo County, Colorado (2026)
Pueblo County and the rest of Pueblo 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 |
From Pueblo County to the edges of Pueblo County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Denver and Arapahoe Counties.
How much home can you afford in Pueblo County?
With Pueblo County's median sale price estimated near $310,000 (think Pueblo County), the FHA down payment is roughly $10,850. Factoring Colorado property taxes near 0.51%, expect about $2,260 monthly, pointing to income near $87,000 — under Colorado's $87,598 median household income.
FHA payment scenarios in Pueblo County
Here is what an FHA payment looks like at three Pueblo County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $223,000 | $7,805 | $1,658 |
| Local median — $310,000 | $10,850 | $2,260 |
| At the FHA limit — $541,287 | $18,945 | $3,859 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Pueblo County too — get notified.
First-time buyers make up much of FHA activity in Pueblo County and across Pueblo County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,850 needed on a median Pueblo County home.
Multi-unit FHA limits in Pueblo County
Looking at a duplex or fourplex near Pueblo County? FHA allows up to $692,997 on two units and $1,041,072 on four in Pueblo 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 Pueblo County for 2026?
- In Pueblo County (Pueblo 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 Pueblo County with FHA?
- For a median-priced ($310,000) Pueblo County home, plan on income around $87,000 at a 31% housing ratio — about $2,260/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pueblo County?
- 3.5% with a 580+ score — roughly $10,850 on a $310,000 Pueblo County-area home. Gift funds are allowed.
- Is Pueblo County a high-cost FHA area?
- No — Pueblo County uses the $541,287 national floor for one unit.