FHA Loan Limits in Routt County, Colorado (2026)
In Routt County — anchored by Routt County — the 2026 FHA loan limit for a single-family home 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 Routt County — Routt County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Denver and Arapahoe Counties.
Affording a home in Routt County & Routt County
An FHA buyer near Routt County faces an estimated $595,000 median, a $18,945 down payment, and — after Colorado's 0.51% property tax — a monthly cost around $3,859. That suits household income of roughly $149,000, above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Routt County
Here is what an FHA payment looks like at three Routt County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $428,000 | $14,980 | $3,075 |
| 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 Routt County too — get notified.
Buyers across Routt County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near Routt County into little out of pocket.
Multi-unit FHA limits in Routt County
Looking at a duplex or fourplex near Routt County? FHA allows up to $692,997 on two units and $1,041,072 on four in Routt 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 Routt County for 2026?
- In Routt County (Routt 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 Routt County with FHA?
- For a median-priced ($541,287) Routt 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 Routt County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Routt County-area home. Gift funds are allowed.
- Is Routt County a high-cost FHA area?
- No — Routt County uses the $541,287 national floor for one unit.