80228 — Jefferson County, Colorado Market Snapshot
Housing market data for zip code 80228 in Jefferson County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$312,500
Days to Sell
39
Homes Sold
20
Inventory
44
Sale-to-List
98.4%
New Listings
58
Price/SqFt
$291
Pending Sales
26
Conforming Loan Available
Most homebuyers in 80228 can comfortably use conventional financing. The median home price of $312,500 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
80228's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 80228 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80228 can comfortably use conventional financing. The median home price of $312,500 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 80228 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 80228
To purchase the median home at $312,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,544.
Monthly Payment
$2,544
Income Required
$109,041
Principal & Interest
$1,926/mo
Down Payment (5%)
$15,625
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 80228.
Estimated Monthly Payment
$2,084
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