80645 — Weld County, Colorado Market Snapshot
Housing market data for zip code 80645 in Weld County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$384,900
Days to Sell
58
Homes Sold
15
Inventory
16
Sale-to-List
100.1%
New Listings
20
Price/SqFt
$253
Pending Sales
19
Conforming Loan Available
Most homebuyers in 80645 can comfortably use conventional financing. The median home price of $384,900 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
80645's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 80645 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 80645 can comfortably use conventional financing. The median home price of $384,900 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 80645 are set at the county level.
2026 Loan Limits — Weld County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $575,000 |
| 2 Units | $1,066,250 | $736,100 |
| 3 Units | $1,288,800 | $889,800 |
| 4 Units | $1,601,750 | $1,105,800 |
Affordability Snapshot — Zip 80645
To purchase the median home at $384,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,099.
Monthly Payment
$3,099
Income Required
$132,813
Principal & Interest
$2,372/mo
Down Payment (5%)
$19,245
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 80645.
Estimated Monthly Payment
$2,532
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