81240 — Fremont County, Colorado Market Snapshot
Housing market data for zip code 81240 in Fremont County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$465,000
Days to Sell
129
Homes Sold
13
Inventory
28
Sale-to-List
96.3%
New Listings
20
Price/SqFt
$229
Pending Sales
14
Conforming Loan Available
Most homebuyers in 81240 can comfortably use conventional financing. The median home price of $465,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 129 days on average, 81240 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 81240 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 81240 can comfortably use conventional financing. The median home price of $465,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 81240 are set at the county level.
2026 Loan Limits — Fremont County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 81240
To purchase the median home at $465,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,713.
Monthly Payment
$3,713
Income Required
$159,115
Principal & Interest
$2,865/mo
Down Payment (5%)
$23,250
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 81240.
Estimated Monthly Payment
$3,028
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