80003 — Adams County, Colorado Market Snapshot
Housing market data for zip code 80003 in Adams County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
143 sales in 2026 (year to date)
Median Sale Price
$550,000
Days to Sell
12
Homes Sold
143
Inventory
106
Sale-to-List
99.1%
New Listings
201
Price/SqFt
$286
Pending Sales
159
Conforming Loan Available
Most homebuyers in 80003 can comfortably use conventional financing. The median home price of $550,000 is well below the 2026 conforming loan limit of $862,500, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
80003 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 80003 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80003 can comfortably use conventional financing. The median home price of $550,000 is well below the 2026 conforming loan limit of $862,500, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 80003 are set at the county level.
2026 Loan Limits — Adams County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $862,500 | $862,500 |
| 2 Units | $1,104,150 | $1,104,150 |
| 3 Units | $1,334,700 | $1,334,700 |
| 4 Units | $1,658,700 | $1,658,700 |
Affordability Snapshot — Zip 80003
To purchase the median home at $550,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,364.
Monthly Payment
$4,364
Income Required
$187,026
Principal & Interest
$3,389/mo
Down Payment (5%)
$27,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 80003.
Estimated Monthly Payment
$3,554
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