CO mortgage rates

Montezuma County

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

Montezuma 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 Montezuma 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 Montezuma

A local view of the market.

Montezuma County, CO, has a steady real estate market with median home values around $495,000 in 2024. Known for its historical sites and outdoor recreation, it attracts families and retirees. Cortez, the largest city, has a population of around 9,000, offering essential amenities and services. Montezuma County offers a rural lifestyle with an economy based on tourism, agriculture, and retail. Its historic charm, natural beauty, and affordability appeal to residents interested in small-town living near nature.

Questions & Answers

Refinancing in Montezuma County

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

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