80221 — Adams County, Colorado Market Snapshot
Housing market data for zip code 80221 in Adams County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
109 sales in 2026 (year to date)
Median Sale Price
$497,000
Days to Sell
19
Homes Sold
109
Inventory
105
Sale-to-List
99.3%
New Listings
156
Price/SqFt
$263
Pending Sales
118
Conforming Loan Available
Most homebuyers in 80221 can comfortably use conventional financing. The median home price of $497,000 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
Homes in 80221 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 80221 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80221 can comfortably use conventional financing. The median home price of $497,000 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 80221 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 80221
To purchase the median home at $497,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,958.
Monthly Payment
$3,958
Income Required
$169,623
Principal & Interest
$3,062/mo
Down Payment (5%)
$24,850
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 80221.
Estimated Monthly Payment
$3,226
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