2026 Conforming Loan Limits in San Miguel County, Colorado
The 2026 conforming loan limit for a one-unit home in San Miguel County, Colorado is $994,750, above the $832,750 national baseline because San Miguel County is a high-cost area. Loans above that amount are jumbo loans.
San Miguel County limits by number of units
| Units | San Miguel County limit | National baseline |
|---|---|---|
| 1 unit | $994,750 | $832,750 |
| 2 units | $1,273,450 | $1,066,250 |
| 3 units | $1,539,350 | $1,288,800 |
| 4 units | $1,913,000 | $1,601,750 |
What this means
A conforming loan is one that meets Fannie Mae and Freddie Mac's size limit and guidelines, so they can buy it from the lender.
In San Miguel County, a one-unit loan up to $832,750 is a standard conforming loan, and a loan from $832,751 up to $994,750 is a high-balance conforming loan, which Fannie Mae and Freddie Mac still buy, though some program rules differ. A loan above $994,750 is a jumbo loan.
Jumbo loans follow each lender's own guidelines and usually need a larger down payment, more cash in reserve and stricter qualifying.
Property tax
Colorado's average effective property tax rate is 0.51% of home value (statewide average; your county and city will differ).
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.
Run your numbers for San Miguel County in Mortgage Blueprint