80540 — Larimer County, Colorado Market Snapshot
Housing market data for zip code 80540 in Larimer County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$875,000
Days to Sell
125
Homes Sold
25
Inventory
68
Sale-to-List
97.0%
New Listings
60
Price/SqFt
$368
Pending Sales
28
Jumbo Loan Likely Needed
The median home in 80540 at $875,000 exceeds the 2026 conforming loan limit of $832,750 by $42,250. 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
With homes sitting for 125 days on average, 80540 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
The average home in 80540 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 80540 at $875,000 exceeds the 2026 conforming loan limit of $832,750 by $42,250. 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 80540 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 80540
To purchase the median home at $875,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,854.
Monthly Payment
$6,854
Income Required
$293,742
Principal & Interest
$5,391/mo
Down Payment (5%)
$43,750
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 80540.
Estimated Monthly Payment
$5,565
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