Gilpin County, Colorado home prices
Typical home $532,990 · -4.1% in a year · property tax 0.23%
The typical home in Gilpin County is worth $532,990, about the same as the Colorado typical home ($529,013). Values changed -4.1% in the past year and +8.4% over five years. Homeowners here pay a median 0.23% of their home's value in property tax each year ($1,217 on the typical home), versus 0.52% statewide.
Mortgage on the typical Gilpin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $106,598 | $426,392 | $2,868 | $0 | $368 | $3,236 | $138,700 |
| 10% down | $53,299 | $479,691 | $3,227 | $200 | $368 | $3,795 | $162,600 |
| 5% down | $26,650 | $506,341 | $3,406 | $211 | $368 | $3,985 | $170,800 |
| 3.5% down (FHA) | $18,655 | $523,336 | $3,521 | $236 | $368 | $4,124 | $176,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.23% 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 |
|---|---|---|---|
| Denver County | $528,188 | -1.8% | 0.45% |
| Larimer County | $545,602 | -0.3% | 0.5% |
| San Juan County | $548,587 | +3.5% | 0.32% |
| Clear Creek County | $549,459 | -1.1% | 0.39% |
| Park County | $514,002 | -1.3% | 0.33% |
| Lake County | $509,347 | +2.4% | 0.42% |
| Archuleta County | $565,035 | -0.8% | 0.35% |
| Arapahoe County | $499,630 | -2.1% | 0.52% |
| Weld County | $488,305 | -2.0% | 0.52% |
| Hinsdale County | $475,661 | +0.4% | 0.31% |
Frequently asked questions
What is the average home price in Gilpin County, CO?
The typical home value in Gilpin County is $532,990 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gilpin County?
About $138,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gilpin County?
The median effective rate is 0.23% of home value a year (Census ACS 2024 5-year estimates).