CO mortgage rates

San Miguel County

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

San Miguel County

Conforming Loan Limits

Per property
1 unit$994,750
2 units$1,273,450
3 units$1,539,350
4 units$1,913,000

FHA Loan Limits

Per property
1 unit$1,045,350
2 units$1,338,250
3 units$1,617,650
4 units$2,010,350

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 San Miguel 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 San Miguel

A local view of the market.

San Miguel County, CO, has an upscale real estate market with median home values around $3.3 million in 2024. Known for Telluride, a popular ski resort town, it attracts affluent buyers and tourists. Telluride, the largest town, has a population of around 2,500, offering resort amenities and activities. San Miguel County offers a resort-focused lifestyle with an economy based on tourism and real estate. Its scenic landscapes, skiing, and cultural events make it attractive for affluent buyers and seasonal residents.

Questions & Answers

Refinancing in San Miguel County

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

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