80234 — Adams County, Colorado Market Snapshot
Housing market data for zip code 80234 in Adams County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$307,500
Days to Sell
30
Homes Sold
22
Inventory
41
Sale-to-List
99.1%
New Listings
40
Price/SqFt
$253
Pending Sales
21
Conforming Loan Available
Most homebuyers in 80234 can comfortably use conventional financing. The median home price of $307,500 is well below the 2026 conforming loan limit of $862,500, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
80234's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 80234 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80234 can comfortably use conventional financing. The median home price of $307,500 is well below the 2026 conforming loan limit of $862,500, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 80234 are set at the county level.
2026 Loan Limits — Adams County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $862,500 | $862,500 |
| 2 Units | $1,104,150 | $1,104,150 |
| 3 Units | $1,334,700 | $1,334,700 |
| 4 Units | $1,658,700 | $1,658,700 |
Affordability Snapshot — Zip 80234
To purchase the median home at $307,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,506.
Monthly Payment
$2,506
Income Required
$107,399
Principal & Interest
$1,895/mo
Down Payment (5%)
$15,375
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 80234.
Estimated Monthly Payment
$2,053
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