81601 — Garfield County, Colorado Market Snapshot
Housing market data for zip code 81601 in Garfield County, Colorado. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Garfield County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$799,000
Days to Sell
14
Homes Sold
5
Inventory
2
Conforming Loan Available
Most homebuyers in 81601 can comfortably use conventional financing. The median home price of $799,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 81601 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 81601 can comfortably use conventional financing. The median home price of $799,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 81601 are set at the county level.
2026 Loan Limits — Garfield County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 81601
To purchase the median home at $799,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,272.
Monthly Payment
$6,272
Income Required
$268,786
Principal & Interest
$4,923/mo
Down Payment (5%)
$39,950
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 81601.
Estimated Monthly Payment
$5,095
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