CO mortgage rates

La Plata County

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

La Plata 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$747,500
2 units$956,950
3 units$1,156,700
4 units$1,437,500

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 La Plata 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 La Plata

A local view of the market.

La Plata County, CO, has a strong real estate market with median home values around $850,000 in 2024. Known for its scenic beauty and outdoor recreation, it attracts affluent buyers and active residents. Durango, the largest city, has a population of about 19,000, known for its tourism and cultural amenities. La Plata County offers a suburban-rural mix with an economy centered on tourism, healthcare, and retail. Its scenic surroundings, vibrant community, and cultural attractions make it popular for families and outdoor enthusiasts.

County snapshot

Market context.

CO

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

Market areaDurangoMapped market area
Area code20420CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in La Plata County

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

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