80204 — Denver County, Colorado Market Snapshot
Housing market data for zip code 80204 in Denver County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$545,000
Days to Sell
27
Homes Sold
20
Inventory
60
Sale-to-List
98.8%
New Listings
53
Price/SqFt
$430
Pending Sales
28
Conforming Loan Available
Most homebuyers in 80204 can comfortably use conventional financing. The median home price of $545,000 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
Homes in 80204 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 80204 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80204 can comfortably use conventional financing. The median home price of $545,000 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 80204 are set at the county level.
2026 Loan Limits — Denver 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 80204
To purchase the median home at $545,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,326.
Monthly Payment
$4,326
Income Required
$185,384
Principal & Interest
$3,358/mo
Down Payment (5%)
$27,250
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 80204.
Estimated Monthly Payment
$3,523
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