Adams County, Colorado home prices
Typical home $472,857 · -2.6% in a year · property tax 0.61%
The typical home in Adams County is worth $472,857, 11% less than the Colorado typical home ($529,013). Values changed -2.6% in the past year and +2.6% over five years. Homeowners here pay a median 0.61% of their home's value in property tax each year ($2,893 on the typical home), versus 0.52% statewide.
Mortgage on the typical Adams County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $94,571 | $378,285 | $2,545 | $0 | $477 | $3,022 | $129,500 |
| 10% down | $47,286 | $425,571 | $2,863 | $177 | $477 | $3,518 | $150,800 |
| 5% down | $23,643 | $449,214 | $3,022 | $187 | $477 | $3,687 | $158,000 |
| 3.5% down (FHA) | $16,550 | $464,292 | $3,123 | $209 | $477 | $3,810 | $163,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.61% 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.
What it takes: see what you can afford by salary in Colorado · part of the Denver metro area.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Teller County | $472,557 | -1.3% | 0.35% |
| Hinsdale County | $475,661 | +0.4% | 0.31% |
| Weld County | $488,305 | -2.0% | 0.52% |
| Montrose County | $455,743 | +2.2% | 0.36% |
| Mineral County | $452,046 | +4.2% | 0.35% |
| Arapahoe County | $499,630 | -2.1% | 0.52% |
| El Paso County | $445,559 | -1.4% | 0.41% |
| Lake County | $509,347 | +2.4% | 0.42% |
| Park County | $514,002 | -1.3% | 0.33% |
| Mesa County | $428,682 | +1.6% | 0.38% |
Frequently asked questions
What is the average home price in Adams County, CO?
The typical home value in Adams County is $472,857 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adams County?
About $129,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adams County?
The median effective rate is 0.61% of home value a year (Census ACS 2024 5-year estimates).