81008 — Pueblo County, Colorado Market Snapshot
Housing market data for zip code 81008 in Pueblo County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$321,000
Days to Sell
72
Homes Sold
46
Inventory
79
Sale-to-List
98.9%
New Listings
70
Price/SqFt
$186
Pending Sales
54
Conforming Loan Available
Most homebuyers in 81008 can comfortably use conventional financing. The median home price of $321,000 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
With homes sitting for 72 days on average, 81008 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 81008 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 81008 can comfortably use conventional financing. The median home price of $321,000 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 81008 are set at the county level.
2026 Loan Limits — Pueblo County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 81008
To purchase the median home at $321,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,609.
Monthly Payment
$2,609
Income Required
$111,831
Principal & Interest
$1,978/mo
Down Payment (5%)
$16,050
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 81008.
Estimated Monthly Payment
$2,137
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