CO mortgage rates

Gilpin County

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

Gilpin County

Conforming Loan Limits

Per property
1 unit$862,500
2 units$1,104,150
3 units$1,334,700
4 units$1,658,700

FHA Loan Limits

Per property
1 unit$862,500
2 units$1,104,150
3 units$1,334,700
4 units$1,658,700

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 Gilpin 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 Gilpin

A local view of the market.

Gilpin County, CO, has a competitive real estate market with median home values around $724,000 in 2024. Known for its casinos and mountain scenery, it attracts tourists and retirees. Central City and Black Hawk are the main towns, with populations under 1,000 each, focusing on gaming and tourism. Gilpin County offers a rural lifestyle with an economy based on gaming, tourism, and small businesses. Its scenic setting, historical attractions, and recreational options make it popular among tourists and retirees.

County snapshot

Market context.

CO

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

Market areaDenver-Aurora-LakewoodMapped market area
Area code19740CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Gilpin County

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

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