81625 — Routt County, Colorado Market Snapshot
Housing market data for zip code 81625 in Routt County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$305,500
Days to Sell
31
Homes Sold
40
Inventory
71
Sale-to-List
96.7%
New Listings
87
Price/SqFt
$190
Pending Sales
54
Conforming Loan Available
Most homebuyers in 81625 can comfortably use conventional financing. The median home price of $305,500 is well below the 2026 conforming loan limit of $1,089,050, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
81625's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 81625 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 81625 can comfortably use conventional financing. The median home price of $305,500 is well below the 2026 conforming loan limit of $1,089,050, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 81625 are set at the county level.
2026 Loan Limits — Routt County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,089,050 | $1,089,050 |
| 2 Units | $1,394,200 | $1,394,200 |
| 3 Units | $1,685,250 | $1,685,250 |
| 4 Units | $2,094,350 | $2,094,350 |
Affordability Snapshot — Zip 81625
To purchase the median home at $305,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,491.
Monthly Payment
$2,491
Income Required
$106,742
Principal & Interest
$1,882/mo
Down Payment (5%)
$15,275
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 81625.
Estimated Monthly Payment
$2,041
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