80428 — Routt County, Colorado Market Snapshot
Housing market data for zip code 80428 in Routt County, Colorado. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Routt County county page for broader data.
Market Sales Data
3 sales in 2026 (year to date)
Median Sale Price
$1,400,000
Days to Sell
13
Homes Sold
3
Inventory
10
Jumbo Loan Likely Needed
The median home in 80428 at $1,400,000 exceeds the 2026 conforming loan limit of $1,089,050 by $310,950. 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
80428 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 80428 at $1,400,000 exceeds the 2026 conforming loan limit of $1,089,050 by $310,950. 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 80428 are set at the county level.
2026 Loan Limits — Routt County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,089,050 | $1,089,050 |
| 2 Units | $1,394,200 | $1,394,200 |
| 3 Units | $1,685,250 | $1,685,250 |
| 4 Units | $2,094,350 | $2,094,350 |
Affordability Snapshot — Zip 80428
To purchase the median home at $1,400,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,876.
Monthly Payment
$10,876
Income Required
$466,129
Principal & Interest
$8,626/mo
Down Payment (5%)
$70,000
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 80428.
Estimated Monthly Payment
$8,814
Jumbo loan required. Loan amount exceeds the $1,089,050 conforming limit for 80428.
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