81326 — La Plata County, Colorado Market Snapshot
Housing market data for zip code 81326 in La Plata County, Colorado. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 7 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the La Plata County county page for broader data.
Market Sales Data
7 sales in 2026 (year to date)
Median Sale Price
$870,000
Days to Sell
35
Homes Sold
7
Inventory
15
Jumbo Loan Likely Needed
The median home in 81326 at $870,000 exceeds the 2026 conforming loan limit of $832,750 by $37,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
81326's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 81326 at $870,000 exceeds the 2026 conforming loan limit of $832,750 by $37,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 81326 are set at the county level.
2026 Loan Limits — La Plata County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $747,500 |
| 2 Units | $1,066,250 | $956,950 |
| 3 Units | $1,288,800 | $1,156,700 |
| 4 Units | $1,601,750 | $1,437,500 |
Affordability Snapshot — Zip 81326
To purchase the median home at $870,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,816.
Monthly Payment
$6,816
Income Required
$292,100
Principal & Interest
$5,361/mo
Down Payment (5%)
$43,500
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 81326.
Estimated Monthly Payment
$5,534
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