80651 — Weld County, Colorado Market Snapshot
Housing market data for zip code 80651 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
$445,000
Days to Sell
71
Homes Sold
15
Inventory
19
Sale-to-List
95.8%
New Listings
20
Price/SqFt
$263
Pending Sales
14
Conforming Loan Available
Most homebuyers in 80651 can comfortably use conventional financing. The median home price of $445,000 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, 80651 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 80651 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 80651 can comfortably use conventional financing. The median home price of $445,000 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 80651 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 80651
To purchase the median home at $445,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,559.
Monthly Payment
$3,559
Income Required
$152,548
Principal & Interest
$2,742/mo
Down Payment (5%)
$22,250
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 80651.
Estimated Monthly Payment
$2,904
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