Lincoln County, Colorado home prices
Typical home $250,552 · +4.7% in a year · property tax 0.44%
The typical home in Lincoln County is worth $250,552, 53% less than the Colorado typical home ($529,013). Values changed +4.7% in the past year and +11.9% over five years. Homeowners here pay a median 0.44% of their home's value in property tax each year ($1,110 on the typical home), versus 0.52% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,110 | $200,442 | $1,348 | $0 | $218 | $1,566 | $67,100 |
| 10% down | $25,055 | $225,497 | $1,517 | $94 | $218 | $1,829 | $78,400 |
| 5% down | $12,528 | $238,025 | $1,601 | $99 | $218 | $1,918 | $82,200 |
| 3.5% down (FHA) | $8,769 | $246,014 | $1,655 | $111 | $218 | $1,984 | $85,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.44% 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 |
|---|---|---|---|
| Phillips County | $252,008 | +0.7% | 0.56% |
| Logan County | $252,455 | +1.0% | 0.46% |
| Washington County | $243,941 | -3.0% | 0.39% |
| Saguache County | $241,669 | -3.5% | 0.32% |
| Las Animas County | $238,422 | -5.3% | 0.23% |
| Huerfano County | $264,499 | -1.6% | 0.28% |
| Kit Carson County | $233,624 | +3.2% | 0.49% |
| Yuma County | $272,569 | +3.0% | 0.47% |
| Pueblo County | $282,303 | -2.3% | 0.5% |
| Conejos County | $212,372 | +1.3% | 0.4% |
Frequently asked questions
What is the average home price in Lincoln County, CO?
The typical home value in Lincoln County is $250,552 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $67,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.44% of home value a year (Census ACS 2024 5-year estimates).