CALCMONEY // MORTGAGE // CO // DENVER // 80220
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 80220 in Denver, CO. Loan amounts here typically exceed the conforming loan limit.
$980,000
$784,000
$5,939
$254,540/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $980,000 | $882,000 | $5,809 | $6,585 | 6.9% |
| 20% Down | $980,000 | $784,000 | $5,163 | $5,939 | 6.9% |
| 25% Down | $980,000 | $735,000 | $4,841 | $5,617 | 6.9% |
Total monthly includes principal & interest, property tax (0.55% annual), and estimated homeowners insurance. PMI not included.
Hilltop / Mayfair (ZIP 80220) sits within Denver, Colorado with a median home price of $980,000 — significantly above the Denver city-wide median of $570,000. At 80% LTV, the typical loan amount of $784,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 80220 run 0.55% annually, adding $449 per month on the median home. Median household income in this neighborhood is approximately $175,000, placing the price-to-income ratio at 5.6x. Colorado levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.