81005 — Pueblo County, Colorado Market Snapshot
Housing market data for zip code 81005 in Pueblo County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
109 sales in 2026 (year to date)
Median Sale Price
$297,500
Days to Sell
71
Homes Sold
109
Inventory
147
Sale-to-List
98.5%
New Listings
160
Price/SqFt
$160
Pending Sales
133
Conforming Loan Available
Most homebuyers in 81005 can comfortably use conventional financing. The median home price of $297,500 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 71 days on average, 81005 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 81005 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 81005 can comfortably use conventional financing. The median home price of $297,500 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 81005 are set at the county level.
2026 Loan Limits — Pueblo 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 81005
To purchase the median home at $297,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,429.
Monthly Payment
$2,429
Income Required
$104,115
Principal & Interest
$1,833/mo
Down Payment (5%)
$14,875
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 81005.
Estimated Monthly Payment
$1,991
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