Quick answer: With 20% down at Freddie Mac's 7.32% average rate, a median-priced Boulder home costs about $3,633 a month in principal and interest in 80303 and about $7,362 in 80304, on Redfin medians of $661,056 and $1,339,606. In 80302 and 80304, a 20%-down loan runs past Boulder County's $879,750 conforming limit.
By Katerina Veteskova, Colorado real estate broker license FA.100082955, eXp Realty, LLC
Boulder has no single price, so it has no single payment. I ran the same loan math on five Boulder zipcodes, and the monthly figure roughly doubles from the lowest median to the highest.
All market figures below are Redfin's for each zipcode, three months ending September 2026, checked October 25, 2026. Payments are principal and interest only on a 30-year fixed loan at 7.32%, the Freddie Mac PMMS average as of October 22, 2026. Medians blend every home type, so one listing can differ from its zipcode.
What is the monthly payment on a median Boulder home in each zipcode?
It runs from about $3,633 in 80303 to about $7,362 in 80304 with 20% down, a gap of $3,729 a month.
The two lower-priced zipcodes, 80303 and 80301, had medians under $700,000, while the other three sit near or above $1 million. Browse the Boulder homes from $700K search for the whole city, or the 80302 Boulder homes from $700K search for that zipcode.
- 80303: $661,056 median, about $3,633 a month
- 80301: $692,297 median, about $3,804 a month
- 80305: $1,002,705 median, about $5,510 a month
- 80302: $1,124,670 median, about $6,181 a month
- 80304: $1,339,606 median, about $7,362 a month
How much cash does 20% down take across Boulder?
From $132,211 in 80303 to $267,921 in 80304, before closing costs.
In between, 20% down comes to $138,459 in 80301, $200,541 in 80305 and $224,934 in 80302. With 10% down, the two lower-priced zipcodes still fit under the conforming limit: $66,106 down and about $4,087 a month in 80303, or $69,230 down and about $4,280 a month in 80301, before mortgage insurance. In 80305, 10% down would push the loan past $879,750. First purchase? The first home in Boulder County guide covers the steps before an offer.
Which Boulder zipcodes need a jumbo loan at 20% down?
80302 and 80304, because their 20%-down loans of $899,736 and $1,071,685 run past Boulder County's 2026 conforming limit of $879,750 for a one-unit home.
The FHFA conforming loan limit sets that line, and any loan above it is a jumbo loan. Freddie Mac's 7.32% average is built from conforming loans, so jumbo quotes in 80302 and 80304 can land above or below it. Keeping the loan at $879,750 takes about $244,920 down in 80302, or 21.8% of the median, and about $459,856 down in 80304, or 34.3%. With exactly 20% down, the highest price that keeps the loan conforming is about $1,099,688, and a full $879,750 loan runs about $6,043 a month at 7.32%.
- 80304: loan $191,935 over the limit at 20% down
- 80302: loan $19,986 over the limit at 20% down
- 80305: loan of $802,164, under the limit at 20% down
Get new Boulder homes from $700K
Email me new Boulder listings from $700,000 the day they hit the market, so I can run the payment before I tour.
How much house does each Boulder payment buy?
About 1,559 square feet at the 80303 median and about 2,236 square feet at the 80304 median, using Redfin's median price per square foot.
Per-foot prices ran $424 in 80303, $371 in 80301, $587 in 80305, $573 in 80302 and $599 in 80304. That works out to about 1,866 square feet at the 80301 median, 1,708 in 80305 and 1,963 in 80302. Because 80301 had the lowest per-foot price of the five, its median buys more space than the 80303 median even though it costs more. The Front Range $700K to $1M and Front Range homes from $1.2M searches show the same bands across the Front Range.
How is each Boulder zipcode trending on price?
In different directions: medians rose 10.7% in 80304 and 0.9% in 80302 over the year, and fell 13.0% in 80303, 8.5% in 80305 and 5.2% in 80301.
Sale-to-list ratios ranged from 96.0% in 80302 to 99.2% in 80305, where Redfin's Compete Score was 78 and homes sold fastest, at a median of 39 days on market. Each 1% you negotiate off a $1,000,000 list price trims about $55 from a 20%-down payment.
- 80305: 99.2% of list, 39 median days on market
- 80303: 98.2% of list, 60 median days
- 80304: 97.4% of list, 63 median days
- 80301: 97.1% of list, 76 median days
- 80302: 96.0% of list, 68 median days
Where should a Boulder payment search start?
Start with the Boulder $700K to $1M search if you want a payment near $5,495, which is what a $1,000,000 purchase costs each month with 20% down at 7.32%.
At $1,200,000, the floor of the Boulder homes from $1.2M search, 20% down is $240,000 and a $960,000 jumbo loan runs about $6,595 a month at the same rate. Every search on this site begins at $700,000, so the 80303 and 80301 medians sit just under it. Nearby Boulder County searches include Louisville homes from $700K, 80027 Louisville homes from $700K, Louisville $700K to $1M, Superior homes from $700K and 80027 Superior homes from $700K; I did not run payment figures for those cities in this guide. If you are moving from out of state, the relocating to Boulder County guide covers the area, and the trading up guide covers timing a move up from a home you own.
How do you check schools and property records for a Boulder address?
Use the district finder and the county records for the exact address, because a zipcode does not decide school assignment.
The BVSD school finder shows the assigned schools for an address in the Boulder Valley School District, and the Boulder County Assessor's records show the parcel details. I pull both before we write an offer.
Which Boulder zipcode fits your monthly budget?
Match the zipcode to the payment you can carry: about $4,280 a month with 10% down covers the 80301 median, and about $5,510 or more with 20% down opens 80305, 80302 and 80304.
Choose 80303 or 80301 if:
- Your payment target is about $3,804 or less with 20% down
- You want a conforming loan with as little as 10% down
- You can trade some space for price, at about 1,559 to 1,866 square feet at the median
Choose 80305, 80302 or 80304 if:
- You can carry about $5,510 to $7,362 a month
- You have the cash for a jumbo loan, or for more than 20% down in 80302 or 80304
- You want more space at the median, about 1,708 to 2,236 square feet
Broker view: "In Boulder I size the loan before I talk about the price. Two homes $100,000 apart can land on opposite sides of the $879,750 line, and that changes the lender conversation more than the monthly number does." - Katerina Veteskova, eXp Realty, LLC
What this guide does not cover: property tax bills, homeowners insurance, HOA or metro district dues, mortgage insurance, jumbo loan pricing, closing costs, City of Boulder affordable homeownership programs, and FHA, VA or CHFA rules. I can run any of these for a specific Boulder listing.
Sources: Redfin 80301, 80302, 80303, 80304 and 80305 zipcode housing market pages, three months ending September 2026, checked October 25, 2026. Rate: Freddie Mac's PMMS 30-year average, 7.32% as of October 22, 2026. Loan limit: FHFA's 2026 conforming loan limit file for Boulder County. Payment, down payment and square-foot figures are my own arithmetic from those numbers.
Comparing Boulder zipcodes and want the payment on a specific listing? Call or text 720-646-4685, or request a tour.
Frequently asked questions
How much is the mortgage payment on a median Boulder home in 2026?
From about $3,633 a month in 80303 to about $7,362 in 80304, principal and interest only, with 20% down at Freddie Mac's 7.32% average 30-year rate as of October 22, 2026. Property tax, insurance and any HOA dues are extra.
What is the 2026 conforming loan limit in Boulder County?
$879,750 for a one-unit home, per FHFA's 2026 county file. A larger loan is a jumbo loan, which is what 20% down on the median home in 80302 or 80304 produces.
How much do you need down to avoid a jumbo loan in Boulder 80304?
About $459,856, or 34.3% of Redfin's $1,339,606 median, to keep the loan at $879,750. In 80302 the figure is about $244,920, or 21.8% of the $1,124,670 median.
Which Boulder zipcode had the lowest median price?
Of the five Boulder zipcodes I compared, 80303 had the lowest median at $661,056 for the three months ending September 2026, followed by 80301 at $692,297.
Katerina Veteskova is a Colorado real estate broker (license FA.100082955) with eXp Realty, LLC. Call or text 720-646-4685, or request a tour.
