80528 — Larimer County, Colorado Market Snapshot
Housing market data for zip code 80528 in Larimer County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
129 sales in 2026 (year to date)
Median Sale Price
$614,950
Days to Sell
55
Homes Sold
129
Inventory
148
Sale-to-List
99.3%
New Listings
216
Price/SqFt
$261
Pending Sales
179
Conforming Loan Available
Most homebuyers in 80528 can comfortably use conventional financing. The median home price of $614,950 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
80528's market is balanced with homes taking an average of 55 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 80528 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80528 can comfortably use conventional financing. The median home price of $614,950 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 80528 are set at the county level.
2026 Loan Limits — Larimer County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $634,800 |
| 2 Units | $1,066,250 | $812,650 |
| 3 Units | $1,288,800 | $982,300 |
| 4 Units | $1,601,750 | $1,220,800 |
Affordability Snapshot — Zip 80528
To purchase the median home at $614,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,862.
Monthly Payment
$4,862
Income Required
$208,352
Principal & Interest
$3,789/mo
Down Payment (5%)
$30,748
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 80528.
Estimated Monthly Payment
$3,956
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