Summit County, Colorado home prices
Typical home $969,592 · +0.5% in a year · property tax 0.32%
The typical home in Summit County is worth $969,592, 83% more than the Colorado typical home ($529,013). Values changed +0.5% in the past year and +5.0% over five years. Homeowners here pay a median 0.32% of their home's value in property tax each year ($3,090 on the typical home), versus 0.52% statewide.
Mortgage on the typical Summit County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $193,918 | $775,674 | $5,218 | $0 | $742 | $5,960 | $255,400 |
| 10% down | $96,959 | $872,633 | $5,870 | $364 | $742 | $6,976 | $299,000 |
| 5% down | $48,480 | $921,113 | $6,196 | $384 | $742 | $7,322 | $313,800 |
| 3.5% down (FHA) | $33,936 | $952,031 | $6,404 | $429 | $742 | $7,575 | $324,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.32% 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 Breckenridge metro area.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Routt County | $1,121,049 | +4.0% | 0.32% |
| Ouray County | $791,603 | +4.4% | 0.28% |
| Grand County | $742,708 | -0.9% | 0.34% |
| Gunnison County | $723,157 | +3.6% | 0.29% |
| Boulder County | $706,773 | -0.4% | 0.53% |
| Garfield County | $704,470 | +3.1% | 0.42% |
| Douglas County | $694,570 | -1.3% | 0.55% |
| Chaffee County | $686,577 | +1.2% | 0.29% |
| La Plata County | $678,547 | +2.9% | 0.26% |
| Elbert County | $675,289 | -2.0% | 0.45% |
Frequently asked questions
What is the average home price in Summit County, CO?
The typical home value in Summit County is $969,592 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Summit County?
About $255,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Summit County?
The median effective rate is 0.32% of home value a year (Census ACS 2024 5-year estimates).