81639 — Routt County, Colorado Market Snapshot
Housing market data for zip code 81639 in Routt County, Colorado. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Routt County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$475,000
Days to Sell
9
Homes Sold
1
Inventory
6
Conforming Loan Available
Most homebuyers in 81639 can comfortably use conventional financing. The median home price of $475,000 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
81639 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 81639 can comfortably use conventional financing. The median home price of $475,000 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 81639 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 81639
To purchase the median home at $475,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,789.
Monthly Payment
$3,789
Income Required
$162,399
Principal & Interest
$2,927/mo
Down Payment (5%)
$23,750
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 81639.
Estimated Monthly Payment
$3,090
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