Lake County, Colorado home prices
Typical home $509,347 · +2.4% in a year · property tax 0.42%
The typical home in Lake County is worth $509,347, 4% less than the Colorado typical home ($529,013). Values changed +2.4% in the past year and +24.9% over five years. Homeowners here pay a median 0.42% of their home's value in property tax each year ($2,142 on the typical home), versus 0.52% statewide.
Mortgage on the typical Lake County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $101,869 | $407,477 | $2,741 | $0 | $433 | $3,174 | $136,000 |
| 10% down | $50,935 | $458,412 | $3,084 | $191 | $433 | $3,708 | $158,900 |
| 5% down | $25,467 | $483,879 | $3,255 | $202 | $433 | $3,890 | $166,700 |
| 3.5% down (FHA) | $17,827 | $500,121 | $3,364 | $225 | $433 | $4,023 | $172,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.42% 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.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Park County | $514,002 | -1.3% | 0.33% |
| Arapahoe County | $499,630 | -2.1% | 0.52% |
| Denver County | $528,188 | -1.8% | 0.45% |
| Weld County | $488,305 | -2.0% | 0.52% |
| Gilpin County | $532,990 | -4.1% | 0.23% |
| Hinsdale County | $475,661 | +0.4% | 0.31% |
| Larimer County | $545,602 | -0.3% | 0.5% |
| Adams County | $472,857 | -2.6% | 0.61% |
| Teller County | $472,557 | -1.3% | 0.35% |
| San Juan County | $548,587 | +3.5% | 0.32% |
Frequently asked questions
What is the average home price in Lake County, CO?
The typical home value in Lake County is $509,347 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lake County?
About $136,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lake County?
The median effective rate is 0.42% of home value a year (Census ACS 2024 5-year estimates).