80538 — Larimer County, Colorado Market Snapshot
Housing market data for zip code 80538 in Larimer County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$394,990
Days to Sell
84
Homes Sold
27
Inventory
46
Sale-to-List
98.5%
New Listings
35
Price/SqFt
$246
Pending Sales
29
Conforming Loan Available
Most homebuyers in 80538 can comfortably use conventional financing. The median home price of $394,990 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
With homes sitting for 84 days on average, 80538 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 80538 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80538 can comfortably use conventional financing. The median home price of $394,990 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 80538 are set at the county level.
2026 Loan Limits — Larimer County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $634,800 |
| 2 Units | $1,066,250 | $812,650 |
| 3 Units | $1,288,800 | $982,300 |
| 4 Units | $1,601,750 | $1,220,800 |
Affordability Snapshot — Zip 80538
To purchase the median home at $394,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,176.
Monthly Payment
$3,176
Income Required
$136,127
Principal & Interest
$2,434/mo
Down Payment (5%)
$19,750
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 80538.
Estimated Monthly Payment
$2,595
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 80538. Tell us what you're looking for.