81620 — Eagle County, Colorado Market Snapshot
Housing market data for zip code 81620 in Eagle County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$4,400,000
Days to Sell
73
Homes Sold
15
Inventory
28
Sale-to-List
95.0%
New Listings
20
Price/SqFt
$1,000
Pending Sales
15
Jumbo Loan Likely Needed
The median home in 81620 at $4,400,000 exceeds the 2026 conforming loan limit of $1,249,125 by $3,150,875. 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, 81620 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 81620 sells for 5.0% below asking price (95.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 81620 at $4,400,000 exceeds the 2026 conforming loan limit of $1,249,125 by $3,150,875. 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 81620 are set at the county level.
2026 Loan Limits — Eagle County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 81620
To purchase the median home at $4,400,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $33,861.
Monthly Payment
$33,861
Income Required
$1,451,203
Principal & Interest
$27,111/mo
Down Payment (5%)
$220,000
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 81620.
Estimated Monthly Payment
$27,381
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 81620.
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