80123 — Jefferson County, Colorado Market Snapshot
Housing market data for zip code 80123 in Jefferson County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
174 sales in 2026 (year to date)
Median Sale Price
$649,750
Days to Sell
19
Homes Sold
174
Inventory
151
Sale-to-List
99.2%
New Listings
257
Price/SqFt
$297
Pending Sales
205
Conforming Loan Available
Most homebuyers in 80123 can comfortably use conventional financing. The median home price of $649,750 is well below the 2026 conforming loan limit of $862,500, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 80123 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 80123 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80123 can comfortably use conventional financing. The median home price of $649,750 is well below the 2026 conforming loan limit of $862,500, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 80123 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 80123
To purchase the median home at $649,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,128.
Monthly Payment
$5,128
Income Required
$219,779
Principal & Interest
$4,004/mo
Down Payment (5%)
$32,488
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 80123.
Estimated Monthly Payment
$4,171
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