Boulder Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Boulder, Colorado (License #152318). Boulder County is a high-cost area with a 2026 conforming loan limit of $862,500 for a one-unit home, above Colorado’s baseline, so buyers can use high-balance conforming loans before reaching jumbo territory.
Boulder pairs a premium Front Range location with limited housing supply, pushing prices well above most Colorado metros. High-balance conforming and jumbo loans are common, so accurate county limits matter here.
Today's Boulder Mortgage Rates
Live best-execution Colorado rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
FHA 30-Yr Fixed
5.625%
APR 5.779%
VA 30-Yr Fixed
5.625%
APR 5.795%
Jumbo 30-Yr Fixed
6.500%
APR 6.602%
Rates subject to change. See Rate Assumptions.
Boulder Home Loan Facts
Median Home Price
~$850,000
Curated Boulder estimate.
2026 Conforming Limit
$832,750
Boulder County baseline reference.
County
Boulder County
Loan limits are set at the county level.
Loan Limits & Market
Boulder County is a high-cost area with a 2026 conforming loan limit of $862,500 for a one-unit home, above Colorado’s baseline, so buyers can use high-balance conforming loans before reaching jumbo territory.
From University Hill and downtown to Gunbarrel and the surrounding foothills, Boulder’s constrained supply and strong demand keep prices high. Many buyers use high-balance conforming or jumbo financing.
Boulder Highlights
- Boulder County high-cost conforming limit of $862,500 (2026)
- One of Colorado’s highest-priced markets
- High-balance conforming widely used
- Jumbo financing above the county limit
Property Taxes in Colorado
Colorado has one of the lower effective property tax rates in the country, though local mill levies vary by county and district.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Colorado
CHFA FirstStep
FHA first mortgage for first-time buyers and qualified veterans.
CHFA Down Payment Assistance
Grant or second-mortgage assistance toward down payment and closing costs.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Boulder, Colorado
Your Boulder loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Colorado mortgage license (#152318). See our full licensing & disclosures for details.
Meet Ivan HendrenBoulder Mortgage FAQ
What is the conforming loan limit in Boulder for 2026?
Boulder County is a high-cost area with a 2026 conforming loan limit of $862,500 for a one-unit home, above Colorado’s $832,750 baseline. Loans above the county limit are financed as jumbo loans.
Do I need a jumbo loan to buy in Boulder?
Not always. Boulder County’s high-cost limit of $862,500 lets many buyers use high-balance conforming financing, with a jumbo loan needed only when the loan amount exceeds that limit.
Other Colorado Markets
All of ColoradoDenver
Median ~$615,000
Competitive metro market with strong move-up and first-time buyer demand.
Colorado Springs
Median ~$480,000
Heavy VA activity driven by Fort Carson and the Air Force Academy.
Fort Collins
Median ~$560,000
Northern Colorado college town with steady move-up and first-time buyer demand.
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