Broomfield 80020 in 2026: About $3,184 a Month at the $574,831 Median With 20% Down
Quick answer: At Freddie Mac's 7.40% average 30-year rate as of October 15, 2026, buying at Redfin's $574,831 median sale price in Broomfield 80020 costs about $3,184 a month in principal and interest with 20% down, or about $3,781 with 5% down. Homes sold in a median 31 days.
By Katerina Veteskova, Colorado real estate broker license FA.100082955, eXp Realty, LLC
Broomfield buyers usually start with one question for me: what will the payment be? In 80020 the median-priced home lands near $3,200 a month with 20% down. Here is that math, the cash it takes and how fast homes are moving.
Market figures are Redfin's for 80020, three months ending September 2026, checked October 21, 2026, across every home type. Payments are principal and interest only; property tax, insurance and any HOA or metro district dues are extra.
What is the monthly payment at the 80020 median?
About $3,184 with 20% down and about $3,781 with 5% down, on the $574,831 median at 7.40%.
The 20%-down loan is $459,865, and the 5%-down loan is about $546,089. Your own rate will depend on credit, points and loan type. The median was down 0.029% from a year earlier, essentially flat.
- 20% down: about $3,184 a month
- 5% down: about $3,781 a month
- Difference: about $597 a month
How much cash does an 80020 purchase take?
$114,966 for 20% down or about $28,742 for 5% down at the median, plus closing costs.
A smaller down payment keeps savings intact but raises the payment and usually adds mortgage insurance. The first home in Boulder County guide covers how I line up a lender's answer before the first tour.
Get new Broomfield 80020 listings
Get new Broomfield 80020 listings by email, with an estimated monthly payment for each home.
How competitive is Broomfield 80020?
Very competitive: Redfin's Compete Score is 73, homes get 3 offers on average, and 25.3% sold above list.
The median sale-to-list ratio was 98.8%, and 45.7% of homes had a price drop. The median days on market was 31, up 6 from a year earlier, and Redfin counted 169 sales in September 2026, up from 141. Price per square foot was $260, up 4.2%.
- Median days on market: 31
- Homes sold above list: 25.3%
- Homes with price drops: 45.7%
- Homes sold in September 2026: 169
Where should an 80020 search start?
Start with the Broomfield 80020 homes search, then the Broomfield homes for sale search for the whole city.
This site's Broomfield searches start at $700,000, above the 80020 median, so they show the upper part of the market. At $700,000 with 20% down, the payment is about $3,877. For higher bands, see the Broomfield $700K to $1M and the Broomfield luxury homes from $1.2M searches. The relocating to Boulder County guide helps if you are moving from out of state, and the $700K to $1M homes search covers that band across the metro.
How do you confirm the school district for an 80020 address?
Check the address with each district's finder, since Broomfield addresses can fall in more than one district.
Use the Adams 12 school finder and the BVSD K-12 school finder. Published state school reports for any school live on CDE SchoolView.
Is the 80020 payment right for you?
It fits if about $3,184 a month plus tax and insurance sits comfortably in your budget and you can bring about $115,000 down.
Choose 20% down if:
- You want the lower payment, about $3,184
- You want to avoid mortgage insurance
Choose 5% down if:
- You want to keep savings, with about $28,742 down
- You can carry about $3,781 a month
Broker view: "With 3 offers on average in 80020, I want the payment settled before we tour. Buyers who know their number write cleaner offers." - Katerina Veteskova, eXp Realty, LLC
What this guide does not cover: property tax bills, insurance quotes, mortgage insurance premiums, HOA and metro district dues, closing cost totals, and FHA, VA or CHFA terms. I can run them for any home.
Sources: Redfin 80020 zipcode housing market page, three months ending September 2026, checked October 21, 2026. Rate: Freddie Mac PMMS, 7.40% for the 30-year as of October 15, 2026; the payment math is mine.
Want the payment on a specific 80020 home? Call or text 720-646-4685, or request a tour.
Frequently asked questions
What is the monthly payment on a median Broomfield 80020 home?
About $3,184 in principal and interest with 20% down, or about $3,781 with 5% down, on Redfin's $574,831 median at Freddie Mac's 7.40% average as of October 15, 2026.
How much cash does it take to buy at the 80020 median?
$114,966 for 20% down or about $28,742 for 5% down, plus closing costs.
How competitive is Broomfield 80020?
Very competitive, with a Redfin Compete Score of 73, 3 offers on average, a 31-day median on market and 25.3% of homes selling above list for the three months ending September 2026.
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.
