CALCMONEY // MORTGAGE // CO // BOULDER // 80304
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 80304 in Boulder, CO. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,250,000
$1,000,000
$7,628
$326,900/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,250,000 | $1,125,000 | $7,409 | $8,451 | 6.9% |
| 20% Down | $1,250,000 | $1,000,000 | $6,586 | $7,628 | 6.9% |
| 25% Down | $1,250,000 | $937,500 | $6,174 | $7,216 | 6.9% |
Total monthly includes principal & interest, property tax (0.6% annual), and estimated homeowners insurance. PMI not included.
North Boulder (ZIP 80304) sits within Boulder, Colorado with a median home price of $1,250,000 — significantly above the Boulder city-wide median of $1,250,000. At 80% LTV, the typical loan amount of $1,000,000 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 80304 run 0.6% annually, adding $625 per month on the median home. Median household income in this neighborhood is approximately $220,000, placing the price-to-income ratio at 5.7x. Colorado levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.