How much house can I afford on $70,000 in Colorado?
About $259,000 with 20% down ($205,000 with an FHA loan), using Colorado's 0.52% property tax rate.
That is $270,330 less than the typical Colorado home ($529,013), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,392 principal and interest, $112 property tax and $129 insurance.
Counties in Colorado you can afford on $70,000
16 of 62 counties have a typical home value at or below $259,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Las Animas County | $238,422 | -5.3% | 0.23% |
| Kit Carson County | $233,624 | +3.2% | 0.49% |
| Conejos County | $212,372 | +1.3% | 0.4% |
| Cheyenne County | $196,246 | +2.9% | 0.47% |
| Costilla County | $180,906 | -5.4% | 0.32% |
| Sedgwick County | $172,249 | -1.9% | 0.45% |
| Prowers County | $169,863 | -1.6% | 0.3% |
| Kiowa County | $163,266 | -5.4% | 0.58% |
| Otero County | $158,183 | -6.3% | 0.31% |
| Crowley County | $153,588 | -7.9% | 0.45% |
| Bent County | $115,929 | +3.8% | 0.35% |
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 $70,000 in Colorado?
About $259,000 with 20% down at 7.11%, keeping the payment (with Colorado's 0.52% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Colorado?
Not the typical home: the typical Colorado home is worth $529,013 (Zillow, September 2026) and $70,000 supports about $259,000. 16 of 62 counties are within budget.