80487 — Routt County, Colorado Market Snapshot
Housing market data for zip code 80487 in Routt County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$1,446,250
Days to Sell
71
Homes Sold
36
Inventory
114
Sale-to-List
96.3%
New Listings
96
Price/SqFt
$501
Pending Sales
47
Jumbo Loan Likely Needed
The median home in 80487 at $1,446,250 exceeds the 2026 conforming loan limit of $1,089,050 by $357,200. 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
With homes sitting for 71 days on average, 80487 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
The average home in 80487 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 80487 at $1,446,250 exceeds the 2026 conforming loan limit of $1,089,050 by $357,200. 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 80487 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 80487
To purchase the median home at $1,446,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,231.
Monthly Payment
$11,231
Income Required
$481,316
Principal & Interest
$8,911/mo
Down Payment (5%)
$72,313
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 80487.
Estimated Monthly Payment
$9,101
Jumbo loan required. Loan amount exceeds the $1,089,050 conforming limit for 80487.
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