CALCMONEY // MORTGAGE // CO // GOLDEN // 80209
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 80209 in Golden, CO.
$850,000
$680,000
$5,151
$220,774/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $850,000 | $765,000 | $5,038 | $5,711 | 6.9% |
| 20% Down | $850,000 | $680,000 | $4,478 | $5,151 | 6.9% |
| 25% Down | $850,000 | $637,500 | $4,199 | $4,871 | 6.9% |
Total monthly includes principal & interest, property tax (0.55% annual), and estimated homeowners insurance. PMI not included.
Cherry Creek (ZIP 80209) sits within Golden, Colorado with a median home price of $850,000 — significantly above the Golden city-wide median of $780,000. At 80% LTV, the typical loan of $680,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 80209 run 0.55% annually, adding $390 per month on the median home. Median household income in this neighborhood is approximately $115,000, placing the price-to-income ratio at 7.4x. Colorado levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.