81635 — Garfield County, Colorado Market Snapshot
Housing market data for zip code 81635 in Garfield County, Colorado. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 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
3 sales in 2026 (year to date)
Median Sale Price
$350,000
Days to Sell
8
Homes Sold
3
Inventory
3
Conforming Loan Available
Most homebuyers in 81635 can comfortably use conventional financing. The median home price of $350,000 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
81635 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 81635 can comfortably use conventional financing. The median home price of $350,000 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 81635 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 81635
To purchase the median home at $350,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
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 81635.
Estimated Monthly Payment
$2,316
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