81623 — Garfield County, Colorado Market Snapshot
Housing market data for zip code 81623 in Garfield County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$1,750,000
Days to Sell
41
Homes Sold
29
Inventory
69
Sale-to-List
95.1%
New Listings
74
Price/SqFt
$705
Pending Sales
31
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,750,000 median-priced home in 81623 is $1,662,500. The 2026 conforming limit is $1,209,750. The limit applies to the loan amount, not the home price. The estimated base loan is $452,750 above the limit. A base loan at or below the limit would require at least 30.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 81623 is 41 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 81623 is 95.1%, or 4.9% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $1,750,000 median-priced home in 81623 is $1,662,500. The 2026 conforming limit is $1,209,750. The limit applies to the loan amount, not the home price. The estimated base loan is $452,750 above the limit. A base loan at or below the limit would require at least 30.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 81623 are set at the county level.
2026 Loan Limits — Garfield County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 81623
To purchase the median home at $1,750,000 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $14,251.
Monthly Payment
$14,251
Income Required
$610,742
Principal & Interest
$10,783/mo
Property Tax
$2,625/mo
Home Insurance
$150/mo
Estimated PMI
$693/mo
Down Payment (5%)
$87,500
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 81623.
Estimated Monthly Payment
$10,980
Above the conforming limit. The estimated loan amount exceeds the $1,209,750 limit for 81623. This comparison does not determine loan eligibility or approval.
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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