CALCMONEY // MORTGAGE // CO // DENVER // 80302
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 80302 in Denver, CO. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,050,000
$840,000
$6,355
$272,346/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,050,000 | $945,000 | $6,224 | $7,046 | 6.9% |
| 20% Down | $1,050,000 | $840,000 | $5,532 | $6,355 | 6.9% |
| 25% Down | $1,050,000 | $787,500 | $5,186 | $6,009 | 6.9% |
Total monthly includes principal & interest, property tax (0.54% annual), and estimated homeowners insurance. PMI not included.
Boulder (ZIP 80302) sits within Denver, Colorado with a median home price of $1,050,000 — significantly above the Denver city-wide median of $570,000. At 80% LTV, the typical loan amount of $840,000 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 80302 run 0.54% annually, adding $473 per month on the median home. Median household income in this neighborhood is approximately $98,000, placing the price-to-income ratio at 10.7x. Colorado levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.