How much house can I afford on $130,000 in Colorado?
About $480,000 with 20% down ($380,000 with an FHA loan), using Colorado's 0.52% property tax rate.
That is $48,601 less than the typical Colorado home ($529,013), so on $130,000 you'd look at cheaper areas or a smaller home. The payment of $3,033 covers $2,585 principal and interest, $208 property tax and $240 insurance.
Counties in Colorado you can afford on $130,000
36 of 62 counties have a typical home value at or below $480,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hinsdale County | $475,661 | +0.4% | 0.31% |
| Adams County | $472,857 | -2.6% | 0.61% |
| Teller County | $472,557 | -1.3% | 0.35% |
| Montrose County | $455,743 | +2.2% | 0.36% |
| Mineral County | $452,046 | +4.2% | 0.35% |
| El Paso County | $445,559 | -1.4% | 0.41% |
| Mesa County | $428,682 | +1.6% | 0.38% |
| Montezuma County | $407,031 | +1.9% | 0.29% |
| Delta County | $407,020 | +2.4% | 0.31% |
| Custer County | $399,858 | -0.7% | 0.39% |
| Fremont County | $333,916 | -1.2% | 0.36% |
| Rio Blanco County | $326,192 | +2.6% | 0.33% |
| Morgan County | $324,520 | -0.6% | 0.52% |
| Rio Grande County | $320,612 | +1.5% | 0.39% |
| Alamosa County | $319,782 | +2.5% | 0.43% |
| Dolores County | $307,256 | +2.8% | 0.27% |
| Moffat County | $299,145 | -0.4% | 0.4% |
| Pueblo County | $282,303 | -2.3% | 0.5% |
| Yuma County | $272,569 | +3.0% | 0.47% |
| Huerfano County | $264,499 | -1.6% | 0.28% |
| Logan County | $252,455 | +1.0% | 0.46% |
| Phillips County | $252,008 | +0.7% | 0.56% |
| Lincoln County | $250,552 | +4.7% | 0.44% |
| Washington County | $243,941 | -3.0% | 0.39% |
| Saguache County | $241,669 | -3.5% | 0.32% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Colorado
Frequently asked questions
How much house can I afford on $130,000 in Colorado?
About $480,000 with 20% down at 7.11%, keeping the payment (with Colorado's 0.52% property tax and insurance) under $3,033 a month.
Is $130,000 enough to buy a house in Colorado?
Not the typical home: the typical Colorado home is worth $529,013 (Zillow, September 2026) and $130,000 supports about $480,000. 36 of 62 counties are within budget.