CO mortgage rates

Archuleta County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Archuleta County, Colorado. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Archuleta County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Archuleta County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Archuleta

A local view of the market.

Archuleta County, CO, has a stable real estate market with median home values around $695,000 in 2024. Known for its scenic landscapes, it’s popular among retirees and second-home buyers. Pagosa Springs, the county seat, has a population of around 2,000 and is known for its hot springs and outdoor activities. Archuleta County offers a rural lifestyle with an economy based on tourism, small businesses, and healthcare. Its natural beauty and recreational opportunities make it a desirable area for those seeking outdoor activities.

Questions & Answers

Refinancing in Archuleta County

Common questions about 2026 loan limits and refinancing opportunities in Colorado.

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