Larimer County, Colorado home prices
Typical home $545,602 · -0.3% in a year · property tax 0.5%
The typical home in Larimer County is worth $545,602, 3% more than the Colorado typical home ($529,013). Values changed -0.3% in the past year and +9.8% over five years. Homeowners here pay a median 0.5% of their home's value in property tax each year ($2,715 on the typical home), versus 0.52% statewide.
Mortgage on the typical Larimer County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $109,120 | $436,482 | $2,936 | $0 | $499 | $3,435 | $147,200 |
| 10% down | $54,560 | $491,042 | $3,303 | $205 | $499 | $4,007 | $171,700 |
| 5% down | $27,280 | $518,322 | $3,487 | $216 | $499 | $4,202 | $180,100 |
| 3.5% down (FHA) | $19,096 | $535,720 | $3,604 | $241 | $499 | $4,344 | $186,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.5% 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 Fort Collins metro area.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| San Juan County | $548,587 | +3.5% | 0.32% |
| Clear Creek County | $549,459 | -1.1% | 0.39% |
| Gilpin County | $532,990 | -4.1% | 0.23% |
| Denver County | $528,188 | -1.8% | 0.45% |
| Archuleta County | $565,035 | -0.8% | 0.35% |
| Park County | $514,002 | -1.3% | 0.33% |
| Lake County | $509,347 | +2.4% | 0.42% |
| Arapahoe County | $499,630 | -2.1% | 0.52% |
| Weld County | $488,305 | -2.0% | 0.52% |
| Jefferson County | $606,904 | -1.6% | 0.48% |
Frequently asked questions
What is the average home price in Larimer County, CO?
The typical home value in Larimer County is $545,602 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Larimer County?
About $147,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Larimer County?
The median effective rate is 0.5% of home value a year (Census ACS 2024 5-year estimates).