80642 — Adams County, Colorado Market Snapshot
Housing market data for zip code 80642 in Adams County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$607,627
Days to Sell
82
Homes Sold
16
Inventory
12
Sale-to-List
97.9%
New Listings
21
Price/SqFt
$322
Pending Sales
15
Conforming Loan Available
Most homebuyers in 80642 can comfortably use conventional financing. The median home price of $607,627 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
With homes sitting for 82 days on average, 80642 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 80642 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 80642 can comfortably use conventional financing. The median home price of $607,627 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 80642 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 80642
To purchase the median home at $607,627 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,805.
Monthly Payment
$4,805
Income Required
$205,947
Principal & Interest
$3,744/mo
Down Payment (5%)
$30,381
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 80642.
Estimated Monthly Payment
$3,910
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 80642. Tell us what you're looking for.