$800,000 to $1.3 million
Homes from $800K to $1.3 million.
The first step into luxury: more house, more land and better finishes, and with 20% down the loan stays below the jumbo line.
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Concept photography: AI-generated illustrative imagery, not a property listing.
Between $800,000 and $1.3 million you buy a newer home on a bigger lot in the south metro or Northern Colorado, or a home at the city median in Boulder, Louisville, Superior and Lone Tree. With 20% down, a loan under $862,500 stays conforming in the Denver metro.
The jumbo line.
2026 conforming limit, Denver metro counties.
DMAR's luxury tier.
Where the Denver metro's luxury statistics begin.
National entry luxury.
Realtor.com, July 2025.
City medians.
Louisville, Superior, Lone Tree and Boulder, 2026 (Redfin).
Where does $800K to $1.3M go furthest?
- Castle Rock and Parker. Newer homes and golf communities in Douglas County.
- Erie and Broomfield. Colorado National Golf Club and Anthem neighborhoods between Denver and Boulder.
- Timnath and Windsor. Harmony Club, Pelican Lakes and RainDance in Northern Colorado.
- Highlands Ranch and Lone Tree. BackCountry and Heritage Hills in the south metro.
Quick answers
Questions about this price range.
What does $800,000 to $1.3 million buy near Denver?
A newer single-family home in Castle Rock, Parker, Erie or Highlands Ranch; a larger home on a bigger lot in Timnath or Berthoud; or a home near the median in Boulder, Louisville, Superior or Lone Tree, where 2026 city medians sit between $959,000 and $981,000 (Redfin).
Is $800,000 a jumbo loan?
Not by itself. In the Denver metro counties a loan becomes jumbo above $862,500 in 2026. With 20% down on a $1.08 million home, the loan stays conforming.
Where does luxury start?
DMAR's luxury tier starts at $1 million. Realtor.com put entry-level luxury nationally at $1.3 million in July 2025.
Where to go next
Keep exploring.
Free playbook
The Colorado Luxury Downsizing Playbook.
Sell the estate, buy the right home, move once. The 12-week plan, the tax and cash questions, the ranch, patio, 55+ and golf communities, and the checklist. 8 pages, free.
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Private consultation
Ask us about homes from $800K to $1.3M.
303-955-4220A live person answers. Not a robot, not a phone tree.
- Private showings on your schedule, including evenings and weekends.
- Off-market homes from the Kenna Real Estate Group's agent network.
- One point of contact from the first showing to the closing table.
Kenna Luxury Real Estate is a division of the Kenna Real Estate Group at Keller Williams DTC (KWDTC).