Fort Collins, CO home prices
Typical home $545,601 · -0.3% in a year · income needed $147,200
The Fort Collins, CO metro area ranks 59 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.3% in a year and +9.8% over five years. With 20% down at 7.11%, the typical home costs about $3,435 a month including 0.5% property tax (Larimer County rate).
Mortgage on the typical Fort Collins home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $109,120 | $436,481 | $2,936 | $0 | $499 | $3,435 | $147,200 |
| 10% down | $54,560 | $491,041 | $3,303 | $205 | $499 | $4,007 | $171,700 |
| 5% down | $27,280 | $518,321 | $3,487 | $216 | $499 | $4,202 | $180,100 |
| 3.5% down (FHA) | $19,096 | $535,719 | $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.
Counties in the Fort Collins area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Larimer County, CO | $545,602 | -0.3% | 0.5% |
What can you afford in Colorado on your salary? · Colorado home prices · Salaries in Colorado
Frequently asked questions
How much is a house in Fort Collins?
The typical home in the Fort Collins, CO metro area is worth $545,601 (Zillow, September 2026).
What salary do you need to buy a house in Fort Collins?
About $147,200 a year for the typical home with 20% down at 7.11%.