80654 — Morgan County, Colorado Market Snapshot
Housing market data for zip code 80654 in Morgan County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$459,000
Days to Sell
70
Homes Sold
11
Inventory
25
Sale-to-List
99.5%
New Listings
26
Price/SqFt
$269
Pending Sales
15
Conforming Loan Available
Most homebuyers in 80654 can comfortably use conventional financing. The median home price of $459,000 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
With homes sitting for 70 days on average, 80654 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 80654 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80654 can comfortably use conventional financing. The median home price of $459,000 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 80654 are set at the county level.
2026 Loan Limits — Morgan 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 80654
To purchase the median home at $459,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,667.
Monthly Payment
$3,667
Income Required
$157,145
Principal & Interest
$2,828/mo
Down Payment (5%)
$22,950
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 80654.
Estimated Monthly Payment
$2,991
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