81657 — Eagle County, Colorado Market Snapshot
Housing market data for zip code 81657 in Eagle County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$3,837,500
Days to Sell
50
Homes Sold
10
Inventory
37
Sale-to-List
94.4%
New Listings
14
Price/SqFt
$1,238
Pending Sales
13
Jumbo Loan Likely Needed
The median home in 81657 at $3,837,500 exceeds the 2026 conforming loan limit of $1,249,125 by $2,588,375. 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
81657's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 81657 sells for 5.6% below asking price (94.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 81657 at $3,837,500 exceeds the 2026 conforming loan limit of $1,249,125 by $2,588,375. 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 81657 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 81657
To purchase the median home at $3,837,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $29,552.
Monthly Payment
$29,552
Income Required
$1,266,501
Principal & Interest
$23,645/mo
Down Payment (5%)
$191,875
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 81657.
Estimated Monthly Payment
$23,899
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 81657.
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