Mortgage rates and loan limits in Jefferson County, CO
In Jefferson County, a one-unit home loan up to $862,500 is a conforming loan in 2026; anything above that is a jumbo loan. Median home values across the county's ZIP codes run from $486,600 to $818,400. The rate grid below shows illustrative pricing for this county by credit score and down payment.
See all-in costs for Jefferson County2026 conforming loan limit
$862,500
High-cost area (FHFA)
Median home value, middle ZIP
$568,900
Census ACS 2023
Colorado effective property tax
0.45%
Statewide, 2022
Colorado average closing costs
$3,479
Statewide, 2025
2026 conforming loan limits in Jefferson County
FHFA designates Jefferson County a high-cost area, so its limits are above the national baseline of $832,750 for a one-unit home. A loan at or under the limit can be sold to Fannie Mae or Freddie Mac and is priced as a conventional conforming loan. A loan above it is a jumbo loan.
| Property | 2026 limit |
|---|---|
| One unit | $862,500 |
| Two units | $1,104,150 |
| Three units | $1,334,700 |
| Four units | $1,658,700 |
Source: Federal Housing Finance Agency (FHFA), conforming loan limit values for 2026.
Home values by ZIP code in Jefferson County
The 12 most populous of 18 ZIP codes with Census data. Values are medians for owner-occupied homes, not listing prices.
| ZIP code | Area | Median home value | Median household income |
|---|---|---|---|
| 80127 | Jefferson County | $663,900 | $137,753 |
| 80401 | Jefferson County | $748,800 | $112,444 |
| 80128 | Jefferson County | $554,100 | $119,827 |
| 80021 | Westminster | $530,300 | $105,645 |
| 80003 | Arvada | $486,600 | $82,754 |
| 80227 | Lakewood | $535,000 | $88,796 |
| 80228 | Lakewood | $607,300 | $110,013 |
| 80004 | Arvada | $590,600 | $99,576 |
| 80226 | Lakewood | $547,000 | $78,466 |
| 80005 | Arvada | $620,100 | $136,360 |
| 80033 | Wheat Ridge | $568,900 | $84,719 |
| 80214 | Lakewood | $519,900 | $74,259 |
Source: US Census Bureau ACS 5-Year, 2023 five-year estimates.
Jefferson County mortgage questions
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