Looking for mortgage options in Longmont? See our Longmont, CO mortgage guide →
Longmont is Boulder County's best-kept secret for first-time buyers — Front Range access, growing tech employment (Google Fiber, Seagate), and a $545K median that's $800K below Boulder.
Market Snapshot 2026
Median SFR: ~$545,000 · Condos/townhomes: $340K–$480K · DOM: 20–40 · Months of supply: 2–3 · Boulder County conforming limit: $1,089,050 (highest in the country) — meaning Longmont buyers access high-balance conventional pricing with no jumbo premium on nearly any realistic purchase.
Why Longmont Works
Tech employment without Boulder prices. Old Town authenticity. St. Vrain Valley School District — top performer. Trail connectivity to Boulder–Denver network.
Loan Programs
FHA: Limit $1,089,050. 3.5% down at $545K = $19,075; MIP ~$248/mo on $526K loan. Conventional (5–10% down): 720+ credit beats FHA monthly; PMI ~$140–$165/mo drops automatically at 80% LTV. VA: 0% down at $545K saves $27,250 vs. conventional 5%, no PMI ever. CHFA: Boulder County's elevated AMI means more Longmont buyers qualify than assume. See DPA Colorado.
Neighborhoods
Old Town Longmont: $480K–$680K. Northeast (Prospect, Quail Crossing): $520K–$680K. Southwest: $480K–$620K. Niwot: $700K+. Mead/Frederick (Weld): $420K–$530K with some USDA eligibility.
The Boulder Advantage
$545K vs. Boulder's $1.35M = $27,250 down (5%) vs. $67,500; monthly ~$5,100 vs. ~$8,500. That $3,400/mo gap funds significant savings, investment, or quality of life.
Contact Tayton Capital or apply now.
📧 tj@taytoncapitalllc.com
📞 970-708-9624
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Frequently asked questions
What is the FHA loan limit in Longmont (Boulder County)?
$1,089,050 — the highest FHA limit in the country, shared with all Boulder County properties.
Is Longmont a good alternative to Boulder for first-time buyers?
Yes — Longmont offers Boulder County access, St. Vrain Valley schools, and growing tech employment at a median price ~$800,000 below Boulder.
How competitive is the Longmont buyer market?
Moderately competitive — entry-level homes move in 2–3 weeks. Less frantic than Boulder but fast enough to require pre-approval before touring.
Can I commute from Longmont to Denver?
Yes — US-36 and I-25 connect to Denver in 45–60 minutes. The US-36 BRT connects to Boulder's RTD system.
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