81631 — Eagle County, Colorado Market Snapshot
Housing market data for zip code 81631 in Eagle County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$1,300,000
Days to Sell
15
Homes Sold
17
Inventory
62
Sale-to-List
96.4%
New Listings
56
Price/SqFt
$467
Pending Sales
32
Jumbo Loan Likely Needed
The median home in 81631 at $1,300,000 exceeds the 2026 conforming loan limit of $1,249,125 by $50,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 81631 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 81631 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 81631 at $1,300,000 exceeds the 2026 conforming loan limit of $1,249,125 by $50,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 81631 are set at the county level.
2026 Loan Limits — Eagle County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 81631
To purchase the median home at $1,300,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,110.
Monthly Payment
$10,110
Income Required
$433,294
Principal & Interest
$8,010/mo
Down Payment (5%)
$65,000
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 81631.
Estimated Monthly Payment
$8,195
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