80005 — Jefferson County, Colorado Market Snapshot
Housing market data for zip code 80005 in Jefferson County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
124 sales in 2026 (year to date)
Median Sale Price
$700,725
Days to Sell
7
Homes Sold
124
Inventory
70
Sale-to-List
100.2%
New Listings
171
Price/SqFt
$302
Pending Sales
151
Conforming Loan Available
The median home in 80005 at $700,725 falls within the 2026 conforming loan limit of $862,500, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
80005 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 80005 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 80005 at $700,725 falls within the 2026 conforming loan limit of $862,500, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 80005 are set at the county level.
2026 Loan Limits — Jefferson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $862,500 | $862,500 |
| 2 Units | $1,104,150 | $1,104,150 |
| 3 Units | $1,334,700 | $1,334,700 |
| 4 Units | $1,658,700 | $1,658,700 |
Affordability Snapshot — Zip 80005
To purchase the median home at $700,725 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,519.
Monthly Payment
$5,519
Income Required
$236,517
Principal & Interest
$4,318/mo
Down Payment (5%)
$35,036
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 80005.
Estimated Monthly Payment
$4,487
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