81623 — Garfield County, Colorado Market Snapshot
Housing market data for zip code 81623 in Garfield County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$1,750,000
Days to Sell
41
Homes Sold
29
Inventory
69
Sale-to-List
95.1%
New Listings
74
Price/SqFt
$705
Pending Sales
31
Jumbo Loan Likely Needed
The median home in 81623 at $1,750,000 exceeds the 2026 conforming loan limit of $1,209,750 by $540,250. 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
81623's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 81623 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 81623 at $1,750,000 exceeds the 2026 conforming loan limit of $1,209,750 by $540,250. 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 81623 are set at the county level.
2026 Loan Limits — Garfield County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 81623
To purchase the median home at $1,750,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,558.
Monthly Payment
$13,558
Income Required
$581,055
Principal & Interest
$10,783/mo
Down Payment (5%)
$87,500
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 81623.
Estimated Monthly Payment
$10,980
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 81623.
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