80020 — Adams County, Colorado Market Snapshot
Housing market data for zip code 80020 in Adams County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
188 sales in 2026 (year to date)
Median Sale Price
$601,250
Days to Sell
12
Homes Sold
188
Inventory
112
Sale-to-List
99.9%
New Listings
238
Price/SqFt
$282
Pending Sales
220
Conforming Loan Available
Most homebuyers in 80020 can comfortably use conventional financing. The median home price of $601,250 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
80020 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 80020 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80020 can comfortably use conventional financing. The median home price of $601,250 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 80020 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 80020
To purchase the median home at $601,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,757.
Monthly Payment
$4,757
Income Required
$203,854
Principal & Interest
$3,705/mo
Down Payment (5%)
$30,063
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 80020.
Estimated Monthly Payment
$3,871
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