CO mortgage rates

Garfield County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Garfield 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

Garfield County

Conforming Loan Limits

Per property
1 unit$1,209,750
2 units$1,548,975
3 units$1,872,225
4 units$2,326,875

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

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 Garfield 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 Garfield

A local view of the market.

Garfield County, CO, has a strong real estate market with median home values around $965,000 in 2024. Known for its outdoor recreation, it attracts families and outdoor enthusiasts. Glenwood Springs, the county seat, has a population of about 10,000, while Rifle and Carbondale are other notable towns. Garfield County offers a rural-suburban mix with an economy based on tourism, healthcare, and energy. Its outdoor amenities, scenic setting, and quality of life appeal to families and active residents.

County snapshot

Market context.

CO

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaGlenwood SpringsMapped market area
Area code24060CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Garfield County

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

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