81301 — La Plata County, Colorado Market Snapshot
Housing market data for zip code 81301 in La Plata County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$700,500
Days to Sell
100
Homes Sold
22
Inventory
41
Sale-to-List
98.2%
New Listings
44
Price/SqFt
$400
Pending Sales
31
Conforming Loan Available
The median home in 81301 at $700,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 100 days on average, 81301 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 81301 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 81301 at $700,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 81301 are set at the county level.
2026 Loan Limits — La Plata County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $747,500 |
| 2 Units | $1,066,250 | $956,950 |
| 3 Units | $1,288,800 | $1,156,700 |
| 4 Units | $1,601,750 | $1,437,500 |
Affordability Snapshot — Zip 81301
To purchase the median home at $700,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,517.
Monthly Payment
$5,517
Income Required
$236,443
Principal & Interest
$4,316/mo
Down Payment (5%)
$35,025
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 81301.
Estimated Monthly Payment
$4,485
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