80435 — Summit County, Colorado Market Snapshot
Housing market data for zip code 80435 in Summit County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$1,575,000
Days to Sell
73
Homes Sold
14
Inventory
19
Sale-to-List
96.5%
New Listings
25
Price/SqFt
$458
Pending Sales
13
Jumbo Loan Likely Needed
The median home in 80435 at $1,575,000 exceeds the 2026 conforming loan limit of $1,092,500 by $482,500. 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 73 days on average, 80435 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 80435 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 80435 at $1,575,000 exceeds the 2026 conforming loan limit of $1,092,500 by $482,500. 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 80435 are set at the county level.
2026 Loan Limits — Summit County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,092,500 | $1,092,500 |
| 2 Units | $1,398,600 | $1,398,600 |
| 3 Units | $1,690,600 | $1,690,600 |
| 4 Units | $2,101,000 | $2,101,000 |
Affordability Snapshot — Zip 80435
To purchase the median home at $1,575,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,217.
Monthly Payment
$12,217
Income Required
$523,592
Principal & Interest
$9,705/mo
Down Payment (5%)
$78,750
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 80435.
Estimated Monthly Payment
$9,897
Jumbo loan required. Loan amount exceeds the $1,092,500 conforming limit for 80435.
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