81403 — Montrose County, Colorado Market Snapshot
Housing market data for zip code 81403 in Montrose County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$530,950
Days to Sell
41
Homes Sold
48
Inventory
85
Sale-to-List
97.9%
New Listings
82
Price/SqFt
$285
Pending Sales
55
Conforming Loan Available
Most homebuyers in 81403 can comfortably use conventional financing. The median home price of $530,950 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
81403's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 81403 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 81403 can comfortably use conventional financing. The median home price of $530,950 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 81403 are set at the county level.
2026 Loan Limits — Montrose County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 81403
To purchase the median home at $530,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,218.
Monthly Payment
$4,218
Income Required
$180,770
Principal & Interest
$3,272/mo
Down Payment (5%)
$26,548
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 81403.
Estimated Monthly Payment
$3,436
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 81403. Tell us what you're looking for.