CO mortgage rates

Ouray County

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

Ouray 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$750,950
2 units$961,350
3 units$1,162,050
4 units$1,444,150

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 Ouray 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 Ouray

A local view of the market.

Ouray County, CO, has a high-demand real estate market with median home values around $950,000 in 2024. Known for its mountain scenery, it attracts affluent buyers and nature lovers. Ouray, the county seat, has a small population of around 1,000, offering a historic charm and resort-like setting. Ouray County offers a mountain lifestyle with an economy based on tourism and small businesses. Its scenic beauty, upscale housing, and outdoor recreation make it popular for luxury buyers and second-home owners.

County snapshot

Market context.

CO

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

Market areaMontroseMapped market area
Area code33940CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Ouray County

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

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