Colorado home prices and mortgage costs
Typical home value $529,013 · -1.3% in a year · property tax 0.52%
Colorado ranks 8th most expensive of 51 states and D.C. Home values changed -1.3% over the past year and +6.2% over five years. Buying the typical home with 20% down costs about $3,340 a month at 7.11%, which needs a household income of about $143,200.
Cost of the typical Colorado home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $105,803 | $423,210 | $2,847 | $0 | $493 | $3,340 | $143,200 |
| 10% down | $52,901 | $476,112 | $3,203 | $198 | $493 | $3,894 | $166,900 |
| 5% down | $26,451 | $502,562 | $3,381 | $209 | $493 | $4,083 | $175,000 |
| 3.5% down (FHA) | $18,515 | $519,431 | $3,494 | $234 | $493 | $4,221 | $180,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% 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.
Check a specific budget: how much house you can afford in Colorado by salary · payment on a $550K home in Colorado
Home prices by county in Colorado
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Pitkin County | $2,710,408 | +9.4% | 0.36% | $16,749 | $717,800 |
| San Miguel County | $1,644,020 | +9.0% | 0.26% | $10,031 | $429,900 |
| Eagle County | $1,297,015 | +2.8% | 0.42% | $8,081 | $346,300 |
| Routt County | $1,121,049 | +4.0% | 0.32% | $6,893 | $295,400 |
| Summit County | $969,592 | +0.5% | 0.32% | $5,960 | $255,400 |
| Ouray County | $791,603 | +4.4% | 0.28% | $4,839 | $207,400 |
| Grand County | $742,708 | -0.9% | 0.34% | $4,581 | $196,300 |
| Gunnison County | $723,157 | +3.6% | 0.29% | $4,428 | $189,800 |
| Boulder County | $706,773 | -0.4% | 0.53% | $4,468 | $191,500 |
| Garfield County | $704,470 | +3.1% | 0.42% | $4,388 | $188,100 |
| Douglas County | $694,570 | -1.3% | 0.55% | $4,405 | $188,800 |
| Chaffee County | $686,577 | +1.2% | 0.29% | $4,202 | $180,100 |
| La Plata County | $678,547 | +2.9% | 0.26% | $4,139 | $177,400 |
| Elbert County | $675,289 | -2.0% | 0.45% | $4,227 | $181,100 |
| Broomfield County | $613,654 | -0.7% | 0.6% | $3,918 | $167,900 |
| Jefferson County | $606,904 | -1.6% | 0.48% | $3,814 | $163,500 |
| Archuleta County | $565,035 | -0.8% | 0.35% | $3,490 | $149,600 |
| Clear Creek County | $549,459 | -1.1% | 0.39% | $3,409 | $146,100 |
| San Juan County | $548,587 | +3.5% | 0.32% | $3,371 | $144,500 |
| Larimer County | $545,602 | -0.3% | 0.5% | $3,435 | $147,200 |
| Gilpin County | $532,990 | -4.1% | 0.23% | $3,236 | $138,700 |
| Denver County | $528,188 | -1.8% | 0.45% | $3,303 | $141,600 |
| Park County | $514,002 | -1.3% | 0.33% | $3,166 | $135,700 |
| Lake County | $509,347 | +2.4% | 0.42% | $3,174 | $136,000 |
| Arapahoe County | $499,630 | -2.1% | 0.52% | $3,157 | $135,300 |
| Weld County | $488,305 | -2.0% | 0.52% | $3,083 | $132,100 |
| Hinsdale County | $475,661 | +0.4% | 0.31% | $2,921 | $125,200 |
| Adams County | $472,857 | -2.6% | 0.61% | $3,022 | $129,500 |
| Teller County | $472,557 | -1.3% | 0.35% | $2,917 | $125,000 |
| Montrose County | $455,743 | +2.2% | 0.36% | $2,816 | $120,700 |
| Mineral County | $452,046 | +4.2% | 0.35% | $2,790 | $119,600 |
| El Paso County | $445,559 | -1.4% | 0.41% | $2,772 | $118,800 |
| Mesa County | $428,682 | +1.6% | 0.38% | $2,657 | $113,900 |
| Montezuma County | $407,031 | +1.9% | 0.29% | $2,492 | $106,800 |
| Delta County | $407,020 | +2.4% | 0.31% | $2,500 | $107,100 |
| Custer County | $399,858 | -0.7% | 0.39% | $2,483 | $106,400 |
| Fremont County | $333,916 | -1.2% | 0.36% | $2,065 | $88,500 |
| Rio Blanco County | $326,192 | +2.6% | 0.33% | $2,009 | $86,100 |
| Morgan County | $324,520 | -0.6% | 0.52% | $2,049 | $87,800 |
| Rio Grande County | $320,612 | +1.5% | 0.39% | $1,989 | $85,200 |
| Alamosa County | $319,782 | +2.5% | 0.43% | $1,995 | $85,500 |
| Dolores County | $307,256 | +2.8% | 0.27% | $1,875 | $80,400 |
| Moffat County | $299,145 | -0.4% | 0.4% | $1,858 | $79,600 |
| Pueblo County | $282,303 | -2.3% | 0.5% | $1,779 | $76,200 |
| Yuma County | $272,569 | +3.0% | 0.47% | $1,711 | $73,300 |
| Huerfano County | $264,499 | -1.6% | 0.28% | $1,618 | $69,300 |
| Logan County | $252,455 | +1.0% | 0.46% | $1,582 | $67,800 |
| Phillips County | $252,008 | +0.7% | 0.56% | $1,601 | $68,600 |
| Lincoln County | $250,552 | +4.7% | 0.44% | $1,566 | $67,100 |
| Washington County | $243,941 | -3.0% | 0.39% | $1,513 | $64,900 |
| Saguache County | $241,669 | -3.5% | 0.32% | $1,487 | $63,700 |
| Las Animas County | $238,422 | -5.3% | 0.23% | $1,447 | $62,000 |
| Kit Carson County | $233,624 | +3.2% | 0.49% | $1,470 | $63,000 |
| Conejos County | $212,372 | +1.3% | 0.4% | $1,320 | $56,600 |
| Cheyenne County | $196,246 | +2.9% | 0.47% | $1,232 | $52,800 |
| Costilla County | $180,906 | -5.4% | 0.32% | $1,112 | $47,600 |
| Sedgwick County | $172,249 | -1.9% | 0.45% | $1,077 | $46,200 |
| Prowers County | $169,863 | -1.6% | 0.3% | $1,042 | $44,700 |
| Kiowa County | $163,266 | -5.4% | 0.58% | $1,039 | $44,500 |
| Otero County | $158,183 | -6.3% | 0.31% | $971 | $41,600 |
| Crowley County | $153,588 | -7.9% | 0.45% | $961 | $41,200 |
| Bent County | $115,929 | +3.8% | 0.35% | $716 | $30,700 |
Metro areas in Colorado
Frequently asked questions
What is the average home price in Colorado?
The typical home in Colorado is worth $529,013 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Colorado?
About $143,200 a year to buy the typical $529,013 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Colorado?
The typical effective rate is 0.52% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).