81654 — Pitkin County, Colorado Market Snapshot
Housing market data for zip code 81654 in Pitkin County, Colorado. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Pitkin County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$2,807,000
Days to Sell
44
Homes Sold
4
Inventory
11
Jumbo Loan Likely Needed
The median home in 81654 at $2,807,000 exceeds the 2026 conforming loan limit of $1,209,750 by $1,597,250. 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
81654's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 81654 at $2,807,000 exceeds the 2026 conforming loan limit of $1,209,750 by $1,597,250. 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 81654 are set at the county level.
2026 Loan Limits — Pitkin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 81654
To purchase the median home at $2,807,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $21,656.
Monthly Payment
$21,656
Income Required
$928,129
Principal & Interest
$17,296/mo
Down Payment (5%)
$140,350
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 81654.
Estimated Monthly Payment
$17,522
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 81654.
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