80305 — Boulder County, Colorado Market Snapshot
Housing market data for zip code 80305 in Boulder County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$1,095,000
Days to Sell
35
Homes Sold
36
Inventory
48
Sale-to-List
97.9%
New Listings
67
Price/SqFt
$550
Pending Sales
57
Jumbo Loan Likely Needed
The median home in 80305 at $1,095,000 exceeds the 2026 conforming loan limit of $879,750 by $215,250. 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
80305's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 80305 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 80305 at $1,095,000 exceeds the 2026 conforming loan limit of $879,750 by $215,250. 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 80305 are set at the county level.
2026 Loan Limits — Boulder County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $879,750 | $879,750 |
| 2 Units | $1,126,250 | $1,126,250 |
| 3 Units | $1,361,350 | $1,361,350 |
| 4 Units | $1,691,850 | $1,691,850 |
Affordability Snapshot — Zip 80305
To purchase the median home at $1,095,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,540.
Monthly Payment
$8,540
Income Required
$365,980
Principal & Interest
$6,747/mo
Down Payment (5%)
$54,750
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 80305.
Estimated Monthly Payment
$6,927
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