80403 — Jefferson County, Colorado Market Snapshot
Housing market data for zip code 80403 in Jefferson County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
82 sales in 2026 (year to date)
Median Sale Price
$965,000
Days to Sell
5
Homes Sold
82
Inventory
66
Sale-to-List
100.3%
New Listings
119
Price/SqFt
$350
Pending Sales
89
Jumbo Loan Likely Needed
The median home in 80403 at $965,000 exceeds the 2026 conforming loan limit of $862,500 by $102,500. 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
80403 is an extremely competitive market with homes selling in just 5 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 80403 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 80403 at $965,000 exceeds the 2026 conforming loan limit of $862,500 by $102,500. 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 80403 are set at the county level.
2026 Loan Limits — Jefferson 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 80403
To purchase the median home at $965,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,544.
Monthly Payment
$7,544
Income Required
$323,294
Principal & Interest
$5,946/mo
Down Payment (5%)
$48,250
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 80403.
Estimated Monthly Payment
$6,122
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