Jefferson County, Colorado home prices
Typical home $606,904 · -1.6% in a year · property tax 0.48%
The typical home in Jefferson County is worth $606,904, 15% more than the Colorado typical home ($529,013). Values changed -1.6% in the past year and +6.4% over five years. Homeowners here pay a median 0.48% of their home's value in property tax each year ($2,934 on the typical home), versus 0.52% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $121,381 | $485,524 | $3,266 | $0 | $548 | $3,814 | $163,500 |
| 10% down | $60,690 | $546,214 | $3,674 | $228 | $548 | $4,450 | $190,700 |
| 5% down | $30,345 | $576,559 | $3,879 | $240 | $548 | $4,667 | $200,000 |
| 3.5% down (FHA) | $21,242 | $595,912 | $4,009 | $268 | $548 | $4,825 | $206,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% 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 |
|---|---|---|---|
| Broomfield County | $613,654 | -0.7% | 0.6% |
| Archuleta County | $565,035 | -0.8% | 0.35% |
| Clear Creek County | $549,459 | -1.1% | 0.39% |
| San Juan County | $548,587 | +3.5% | 0.32% |
| Larimer County | $545,602 | -0.3% | 0.5% |
| Elbert County | $675,289 | -2.0% | 0.45% |
| La Plata County | $678,547 | +2.9% | 0.26% |
| Gilpin County | $532,990 | -4.1% | 0.23% |
| Denver County | $528,188 | -1.8% | 0.45% |
| Chaffee County | $686,577 | +1.2% | 0.29% |
Frequently asked questions
What is the average home price in Jefferson County, CO?
The typical home value in Jefferson County is $606,904 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $163,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 0.48% of home value a year (Census ACS 2024 5-year estimates).