Arapahoe County, CO Conforming Loan Limit — 2026
2026 FHFA conforming loan limit for Arapahoe County. This is a high-balance conforming area.
2026 Conforming Limit: $833,750High-Balance Area
Source: FHFA. Data as of 2025-01-15.
2026 Loan Limits — Arapahoe County, CO
| Limit Type | 2026 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $833,750 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $833,750 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
Local Home Values & Affordability
Arapahoe County's median home value of $420,000 runs about 35% above the US median of $310,000, reflecting strong local demand.
Among the Colorado counties we track, Arapahoe County is among the most affordable at $420,000 — significantly below Denver County at $580,000.
A 20% down payment on a median Arapahoe County home requires $84,000 in cash — or $14,700 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
Property Tax in This Market
Arapahoe County has one of the lowest property tax rates in our dataset at 0.52% — 53% below the national average of 1.10%. This keeps monthly PITI payments notably lower than in high-tax markets with comparable home values.
Based on the 0.52% effective rate and a median home value of $420,000, a typical homeowner in Arapahoe County pays approximately $2,184 in annual property taxes — or $182 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Arapahoe County runs approximately $1,600/year ($133/month), in line with the national average of $1,600.
Premium quotes in Arapahoe County typically range from $1,100 to $2,400 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.
Sources: NAIC 2024
Loan Limits & Financing Options
A buyer purchasing the median Arapahoe County home ($420,000) with FHA's minimum 3.5% down would borrow $405,300 — well within the $862,500 elevated FHA limit for this county. FHA financing is a viable option for most buyers here.
Arapahoe County is designated a high-cost area by both FHFA and HUD, meaning local FHA and conforming limits are elevated above the national baseline. This expanded purchasing power is a meaningful benefit for buyers compared to most-of-the-country baseline markets.
With 20% down on a median-priced home, the loan amount of $336,000 stays $526,500 below the $862,500 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
Sources: HUD ML 2025-23, FHFA 2026
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