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State

Data from November 2026

Housing , home prices, rents and assistance in Colorado (2026)

In Colorado, a typical home is worth $539,400 and the typical rent is $1,761 a month. The FHA limit for a one-unit home runs from $541,287 to $1,249,125 depending on the county. 26 HUD-approved counseling agencies serve Colorado; 14 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $226,200
  • $226,200–$324,000
  • $324,000–$471,700
  • $471,700–$621,800
  • $621,800 or more
  • 1 with no data

Tap the map to see each county’s figure and open its page.

Typical home value
$539,400
62% more than the U.S.
U.S.: $332,700
Typical rent per month
$1,761
25% more than the U.S.
U.S.: $1,413
Typical household income
$95,470
18% more than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $1,249,125
It changes by county. The highest applies in 3 counties.
U.S.: $541,287 to $1,299,500
Property tax
0.48%
of value a year
The typical bill is $2,602 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Colorado

In Colorado, a typical home is worth $539,400: 62% more than in the United States overall. Prices change a lot by county: from $116,200 in Crowley County to $1,139,100 in Pitkin County. The typical household earns $95,470 a year and the typical rent is $1,761 a month; 53% of renter households spend 30% or more of their income on housing. 66% of households own their home, and the typical property tax is $2,602 a year (about 0.48% of value).

The conforming loan limit for a one-unit home runs from $832,750 to $1,249,125 depending on the county. To pay HUD’s fair rent for a 2-bedroom apartment in Colorado ($1,916) without spending more than 30% of income, you need about $36.85 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Colorado

More on property tax

  • Senior homestead exemption (owners 65 and older)

    If you are 65 or older and have owned and lived in the home as your primary residence for the previous 10 years (or are the surviving spouse of someone who qualified), 50 percent of the first $200,000 of the home's actual value is exempt. You apply to the county assessor.

    Colorado General Assembly (Colorado Revised Statutes 2024, Title 39) · Verified October 23, 2026

  • Deadline to protest the valuation with the assessor

    If you disagree with the value the county assessor gave your home, your protest must be postmarked, delivered or given in person by June 8.

    Colorado General Assembly (Colorado Revised Statutes 2024, Title 39) · Verified October 23, 2026

  • Senior exemption: apply January 1 through July 15

    The application for the exemption for people 65 and older goes to the assessor of the county where the home is. Each year's period starts January 1 and ends July 15. If you turn it in between July 15 and August 15 (the late deadline) and it is denied, you have no right to appeal. If a deadline falls on a weekend or holiday, the next working day counts.

    Colorado Division of Property Taxation (Department of Local Affairs) · Verified October 31, 2026

  • Exemption for veterans with a service-connected disability

    Veterans who qualify with a service-connected disability (and qualifying surviving spouses) may have 50 percent of the first $200,000 of their primary residence's actual value exempted. There is no age requirement, but you need the required VA-approved disability rating, and you must own and live in the home as of January 1.

    Colorado Division of Property Taxation (Department of Local Affairs) · Verified October 31, 2026

  • Disabled veteran exemption: apply January 1 through July 1

    For the disabled veteran exemption (or the surviving spouse's), the disability must be rated by the U.S. Department of Veterans Affairs as 100 percent permanent, or you must have been granted individual unemployability status. Each year's application period runs January 1 through July 1. If you turn it in between July 1 and August 1 and it is denied, you have no right to appeal.

    Colorado Division of Property Taxation (Department of Local Affairs) · Verified October 31, 2026

  • Documentary fee when the deed is recorded

    Colorado has no transfer tax; when the deed is recorded a documentary fee of one cent per $100 of the price is paid when the price is over $500. The county clerk and recorder collects it.

    Colorado General Assembly (Colorado Revised Statutes 2024, Title 39) · Verified October 23, 2026

The homes here

Housing in Colorado

What homes there are in Colorado, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in the U.S., most homes in Colorado are detached houses (61%).

Year built

Homes in Colorado are newer: the typical year built is 1988; in the U.S., 1980.

Much as in the U.S., 62% of homes in Colorado have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

Looking at what owner-occupied homes in Colorado are worth, the most common range is between $300K and $500K (30%).

Monthly rent with utilities

The largest group of rented homes in Colorado pays between $1,500 and $1,999 a month: 29%.

With a mortgage

$2,326 a month

United States: $1,963 a month

Without a mortgage

$663 a month

United States: $638 a month

Owners with a mortgage

69%

United States: 61%

Owning costs more in Colorado: with a mortgage, the typical cost is $2,326 a month; in the U.S., $1,963. Without one, $663.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Colorado gained value faster than in the U.S.: 57% against 53%.

Since 2015–2019, the typical rent in Colorado rose 39%, more than in the U.S. (33%).

Here income did not keep up with housing: it rose 32%, while home values changed +57% and rent +39%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureColoradoUnited States
Rental vacancy 5.1%5.5%
Homeowner vacancy 0.8%0.9%
More than one person per room 2.4%3.4%
People per household 2.422.53
Drive alone 65%69%
Carpool 8%9%
Public transit 2%3%
Walk or bike 3%3%
Work from home 21%15%
Other means 1%2%
Typical commute 20 to 29 minutes20 to 29 minutes

Much as in the U.S., the rental vacancy rate in Colorado is 5.1%.

More than one person per room: that is how 2.4% of households in Colorado live, less than in the U.S. (3.4%).

A household in Colorado has 2.42 people on average, about the same as in the U.S. (2.53).

Working from home is more common in Colorado: 21%, against 15% in the U.S..

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Colorado

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Colorado

Start from the typical home value in Colorado, $539,400, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Colorado

$
%

Estimated monthly payment

$4,267

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Colorado rose 93% in the 10 years through 2025.

Price change each year

Period Colorado United States
In 2025 +0.1% +2.9%
5 years (2020–2025) +38% +47%
10 years (2015–2025) +93% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Colorado were 3% higher than the U.S. average. Housing rents were 27% higher than nationwide.

Category Colorado United States Versus the U.S.
All prices Consumer goods and services 103.1 100.0 3% more
Housing rents What renters pay 127.4 100.6 27% more
Water, power and gas Water, sewer, electricity and gas 85.0 98.4 14% less
Goods Food, clothing, transportation and more 98.7 99.6 1% less
Other services Services other than rent 99.6 100.1 1% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Colorado 1.1% of homes (22,669) are in a high-risk flood zone. Of those homes, 24% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Colorado United States
Homes in a high-risk zone 1.1% 3.5%
Of those, with NFIP insurance 24% 48%
All homes with NFIP insurance 0.6% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Colorado

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (97)

    Help to buy

    Assistance programs in Colorado

    Our list has 2 official programs that help you buy in Colorado. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. CHFA Down Payment Assistance

      Colorado state agency help with the down payment or closing costs: a grant of up to 3% of the mortgage or a deferred second mortgage of up to 4%, both capped at $25,000. Offered by Colorado Housing and Finance Authority (CHFA).

      GrantDeferred Verified November 5, 2026

    2. CHFA FirstGeneration

      Open, per the source

      $25,000 from the Colorado state agency for the down payment of first-generation buyers (neither you nor your parents have owned a home); repaid when you sell, refinance or pay off the mortgage. Offered by Colorado Housing and Finance Authority (CHFA).

      Deferred Verified November 5, 2026

    Tenant rights

    Tenant rights in Colorado

    Colorado law answers 5 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Since August 7, 2023, a landlord cannot require a security deposit of more than two monthly rent payments under your rental agreement.

      C.R.S. §38-12-102.5

    2. When must they return my deposit?

      The landlord must return the deposit within one month after the lease ends or you surrender the home, whichever is later. The lease may set a longer period, but never more than 60 days. If anything is kept, you must get a written statement of the exact reasons.

      C.R.S. §38-12-103(1)

    3. If I fall behind on rent, what notice must I get?

      If you owe rent, the landlord must serve a written 10-day notice giving you the choice to pay or give up the home before suing. A lease cannot waive this notice.

      C.R.S. §13-40-104(1)(d)

    4. How much notice ends a month-to-month rental?

      To end a periodic tenancy, written notice must be served before the period ends: 21 days for a tenancy of one to six months, 28 days for six months to a year, and 91 days for a year or longer. Since 2024, for most homes a landlord may end or not renew only for a cause the law allows; these periods apply to the tenant's notice and to exempt premises.

      C.R.S. §13-40-107(2)

    5. Are there limits on late fees?

      A landlord cannot charge a late fee until rent is at least 7 calendar days late. The fee cannot exceed $50 or 5 percent of the past-due rent, whichever is greater, and must be in the rental agreement. You cannot be evicted only for not paying a late fee.

      C.R.S. §38-12-105(1)(a)-(c)

    The simple kitchen of an apartment, with an electric stove, a refrigerator and wood cabinets.

    Help and advice

    Who can help you in Colorado?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    26 HUD-approved counseling agencies serve Colorado; 14 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    59 public housing authorities run Section 8 vouchers and public housing in Colorado.

    See all 26 agencies See the housing agencies

    Who runs the help in Colorado

    • Colorado Housing and Finance Authority (CHFA)

      The Colorado Housing and Finance Authority (CHFA) works with a statewide network of approved lenders. Through them it offers home loans with grants or second mortgage loans for down payment or closing cost assistance. It also sponsors free homebuyer education across the state in English and Spanish.

      The agency's official page · Verified October 31, 2026

    Where to file a complaint in Colorado

    • Colorado Civil Rights Division and the protections state law adds

      The Colorado Civil Rights Division (CCRD) enforces the state fair housing law, and most of its cases are also filed with HUD. Colorado law protects more groups than federal law: ancestry, creed, marital status, sexual orientation and source of income. Since August 10, 2022 it also protects veteran or military status. And it covers more homes: federal law does not apply to owner-occupied buildings with four or fewer units.

      Colorado Civil Rights Division (CCRD) · Verified October 31, 2026

    • Insurance questions and complaints to the Colorado Division of Insurance

      The Colorado Division of Insurance regulates insurance in the state, including homeowners insurance. Its Consumer Services section investigates complaints, answers questions and provides education. Complaints are filed through the Consumer Portal, where you first create an account with an email address and password.

      Colorado Division of Insurance · Verified October 31, 2026

    • Colorado FAIR Plan for owners who cannot get property insurance

      Colorado's FAIR (Fair Access to Insurance Requirements) Plan provides property insurance for homeowners and businesses when coverage is unavailable through traditional means. It was created by HB23-1288 in 2023.

      Colorado Division of Insurance · Verified October 31, 2026

    Guides

    Guides for you in Colorado

    We picked them with the numbers of Colorado. Each one says why it can help you.

    Frequently asked questions about housing in Colorado

    What is the FHA limit in Colorado in 2026?

    In Colorado, the FHA limit for a one-unit home runs from $541,287 to $1,249,125. The highest is in Eagle County.

    How much does a typical home cost in Colorado?

    The typical home value in Colorado is $539,400 (Average 2020–2024, U.S. Census). The highest is in Pitkin County ($1,139,100) and the lowest in Crowley County ($116,200).

    How much does it cost to rent in Colorado?

    The typical rent in Colorado is $1,761 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Colorado?

    At HUD's average fair market rent in Colorado ($1,916, Fiscal year 2027), about $36.85 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Colorado?

    The typical property tax in Colorado is $2,602 a year, about 0.48% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Colorado?

    There are 26 HUD-approved counseling agencies in Colorado; 14 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).