Denver, CO home prices
Typical home $555,487 · -1.8% in a year · income needed $148,900
The Denver, CO metro area ranks 55 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.8% in a year and +4.1% over five years. With 20% down at 7.11%, the typical home costs about $3,474 a month including 0.45% property tax (Denver County rate).
Mortgage on the typical Denver home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $111,097 | $444,390 | $2,989 | $0 | $484 | $3,474 | $148,900 |
| 10% down | $55,549 | $499,939 | $3,363 | $208 | $484 | $4,056 | $173,800 |
| 5% down | $27,774 | $527,713 | $3,550 | $220 | $484 | $4,254 | $182,300 |
| 3.5% down (FHA) | $19,442 | $545,426 | $3,669 | $246 | $484 | $4,399 | $188,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.45% 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.
Counties in the Denver area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Denver County, CO | $528,188 | -1.8% | 0.45% |
| Arapahoe County, CO | $499,630 | -2.1% | 0.52% |
| Jefferson County, CO | $606,904 | -1.6% | 0.48% |
| Adams County, CO | $472,857 | -2.6% | 0.61% |
| Douglas County, CO | $694,570 | -1.3% | 0.55% |
| Broomfield County, CO | $613,654 | -0.7% | 0.6% |
| Elbert County, CO | $675,289 | -2.0% | 0.45% |
| Park County, CO | $514,002 | -1.3% | 0.33% |
| Clear Creek County, CO | $549,459 | -1.1% | 0.39% |
| Gilpin County, CO | $532,990 | -4.1% | 0.23% |
What can you afford in Colorado on your salary? · Colorado home prices · Salaries in Colorado
Frequently asked questions
How much is a house in Denver?
The typical home in the Denver, CO metro area is worth $555,487 (Zillow, September 2026).
What salary do you need to buy a house in Denver?
About $148,900 a year for the typical home with 20% down at 7.11%.