81303 — La Plata County, Colorado Market Snapshot
Housing market data for zip code 81303 in La Plata County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$635,000
Days to Sell
23
Homes Sold
15
Inventory
33
Sale-to-List
99.1%
New Listings
28
Price/SqFt
$392
Pending Sales
23
Conforming Loan Available
Most homebuyers in 81303 can comfortably use conventional financing. The median home price of $635,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 81303 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 81303 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 81303 can comfortably use conventional financing. The median home price of $635,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 81303 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 81303
To purchase the median home at $635,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,015.
Monthly Payment
$5,015
Income Required
$214,936
Principal & Interest
$3,913/mo
Down Payment (5%)
$31,750
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 81303.
Estimated Monthly Payment
$4,080
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