81652 — Garfield County, Colorado Market Snapshot
Housing market data for zip code 81652 in Garfield County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$584,000
Days to Sell
35
Homes Sold
20
Inventory
34
Sale-to-List
98.3%
New Listings
38
Price/SqFt
$371
Pending Sales
25
Conforming Loan Available
Most homebuyers in 81652 can comfortably use conventional financing. The median home price of $584,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
81652's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 81652 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 81652 can comfortably use conventional financing. The median home price of $584,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 81652 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 81652
To purchase the median home at $584,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,624.
Monthly Payment
$4,624
Income Required
$198,189
Principal & Interest
$3,598/mo
Down Payment (5%)
$29,200
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 81652.
Estimated Monthly Payment
$3,764
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