City · 122,634 residents · Jefferson County, Colorado
Arvada, Colorado
In Arvada, a typical home is worth $632,600 and typical rent is $1,888 a month. Compared with all of Jefferson County, typical household income is 6% higher.
Typical home value from Zillow, September 2021 to September 2026: from $562,025 to $593,478.
Typical rent
$2,088a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,807 to $2,088.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Arvada is in Jefferson County. The FHA loan limit ($862,500 for a one-unit home), the fair market rents and the help on this page are those of all of Jefferson County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Shaw Heights, the typical home value is $482,800: 24% less than in Arvada ($632,600).
2
Nearby, in Wheat Ridge, the typical rent is $1,579: 16% less than in Arvada ($1,888).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Arvada
What homes there are in Arvada, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Arvada
Jefferson County
Colorado
United States
Kind of home: Arvada and its comparisons
Measure
Arvada
Jefferson County
Colorado
United States
Detached house
70%
64%
61%
61%
Attached house
7%
9%
8%
6%
Building of 2 to 4
5%
4%
5%
8%
Apartments (5 or more)
18%
22%
23%
19%
Mobile home
Unreliable estimate
1%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Arvada, 7 in 10 homes are single-family detached houses; in Jefferson County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Arvada
Jefferson County
Colorado
United States
Year built: Arvada and its comparisons
Measure
Arvada
Jefferson County
Colorado
United States
Before 1960
11%
13%
16%
26%
1960–1979
42%
37%
24%
24%
1980–1999
22%
30%
28%
25%
2000–2009
11%
10%
17%
14%
2010 or later
16%
10%
16%
11%
The typical year built in Arvada is 1979, about the same as in Jefferson County (1980).
In Arvada, 70% of homes have 3 bedrooms or more, more than in Jefferson County (64%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K1%
$100K–$200KUnreliable
$200K–$300K2%
$300K–$500K22%
$500K–$750K47%
$750K–$1M20%
$1M or more8%
Value of owner-occupied homes: Arvada and its comparisons
Measure
Arvada
Under $100K
1%
$100K–$200K
Unreliable estimate
$200K–$300K
2%
$300K–$500K
22%
$500K–$750K
47%
$750K–$1M
20%
$1M or more
8%
Monthly rent with utilities
Under the limitOver the limit
Under $5004%
$500–$9994%
$1,000–$1,49917%
$1,500–$1,99933%
$2,000–$2,49923%
HUD fair market rent, 2 bedrooms: $2,169
$2,500–$2,99913%
$3,000 or more7%
Monthly rent with utilities: Arvada and its comparisons
Measure
Arvada
Under $500
4%
$500–$999
4%
$1,000–$1,499
17%
$1,500–$1,999
33%
$2,000–$2,499
23%
$2,500–$2,999
13%
$3,000 or more
7%
About 65% of rented homes in Arvada cost less than HUD's 2-bedroom fair market rent for Jefferson County ($2,169); the rest cost more.
With a mortgage
$2,564 a month
Jefferson County: $2,498 a month
Without a mortgage
$709 a month
Jefferson County: $737 a month
Owners with a mortgage
73%
Jefferson County: 71%
Owning costs about the same in Arvada as in Jefferson County: with a mortgage, $2,564 a month; without one, $709.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Arvada+65%
Jefferson County+60%
Colorado+57%
United States+53%
Typical rent
Arvada+39%
Jefferson County+35%
Colorado+39%
United States+33%
Typical household income
Arvada+39%
Jefferson County+33%
Colorado+32%
United States+29%
Change since 2015–2019: Arvada and its comparisons
Measure
Arvada
Jefferson County
Colorado
United States
Typical home value
+65%
+60%
+57%
+53%
Typical rent
+39%
+35%
+39%
+33%
Typical household income
+39%
+33%
+32%
+29%
The typical home value in Arvada rose 65% since 2015–2019, more than in Jefferson County (60%).
Since 2015–2019, the typical rent in Arvada rose 39%, more than in Jefferson County (35%).
To compare: typical income in Arvada rose 39%; the home, +65%; the rent, +39%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Arvada and its comparisons
Measure
Arvada
Jefferson County
Colorado
United States
Rental vacancy
5.8%
4.9%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
0.7%
1.4%
2.4%
3.4%
People per household
2.44
2.36
2.42
2.53
Drive alone
67%
64%
65%
69%
Carpool
5%
6%
8%
9%
Public transit
1%
1%
2%
3%
Walk or bike
1%
2%
3%
3%
Work from home
25%
25%
21%
15%
Other means
1%
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Arvada, the rental vacancy rate is 5.8%, about the same as in Jefferson County.
In Arvada, 0.7% of households live with more than one person per room, about the same as in Jefferson County.
A household in Arvada has 2.44 people on average, about the same as in Jefferson County (2.36).
In Arvada, 67% of workers drive alone to work; in Jefferson County, 64%.
Do the math
What would you pay each month for a home in Arvada?
A typical home costs more than the typical income allows
We start with a typical home in Arvada, worth $632,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Arvada, which is $117,348 a year. For that payment to be 28% of income, a household would need to earn about $215,146 a year.
The calculator's FHA and conventional loan limits are those of all of Jefferson County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Arvada. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $22,141 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$5,020
at 7.18% · 30 years
Loan amount
$621,142
Total interest
$893,678
Paid off in
November 2056
Includes $10,683 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,738 a month
Tight
$2,738 to $3,520 a month
Hard
more than $3,520 a month
Your payment · 51%
Compared with the typical household income in Arvada ($117,348 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,208
Property tax
$269
Home insurance
$264
FHA mortgage insurance (MIP)
$280
You need at least $22,141 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $5,020; principal and interest $4,208.
The city and its county
Arvada and Jefferson County
Arvada is in Jefferson County, Colorado. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Arvada
Map of Jefferson County, Colorado, with Arvada marked. Around it, the neighboring counties.
Arvada
Jefferson County
Other cities with a page
Arvada's own numbers
Typical home value
$632,600
Typical monthly rent
$1,888
Typical yearly household income
$117,348
Households that own their home
75%
Effective property tax rate
0.51%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Jefferson County
FHA limit, one-unit home
$862,500
Conventional limit, one unit
$862,500
HUD fair market rent, 2 bedrooms
$2,169
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
0.9%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Jefferson County.
A typical home in Arvada is worth $632,600: about the same as the county and 17% above Colorado. With the typical household income in Arvada ($117,348 a year), a typical home costs 5.4 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Arvada5.4 years
Jefferson5.8 years
Colorado5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Jefferson County
According to FHFA’s house price index, home prices in Jefferson County rose 99% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Jefferson County.
Yearly change in FHFA’s price index in Jefferson County, 2016 to 2025
2016: +11.3% +11.3% 2016
2017: +9.4% +9.4% 2017
2018: +8.0% +8.0% 2018
2019: +4.6% +4.6% 2019
2020: +3.0% +3.0% 2020
2021: +14.4% +14.4% 2021
2022: +16.5% +16.5% 2022
2023: +2.0% +2.0% 2023
2024: +2.9% +2.9% 2024
2025: +0.5% +0.5% 2025
Change in FHFA’s price index in Jefferson County, Colorado and the United States
Period
County
Colorado
U.S.
Last year (2025)
+0.5%
+0.1%
+2.9%
5 years (2020–2025)
+41%
+38%
+47%
10 years (2015–2025)
+99%
+93%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Arvada next to Jefferson County, Colorado and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Arvada$632,600
Jefferson$637,600
Colorado$539,400
United States$332,700
Typical monthly rent
Arvada$1,888
Jefferson$1,861
Colorado$1,761
United States$1,413
Typical yearly household income
Arvada$117,348
Jefferson$110,656
Colorado$95,470
United States$80,734
See the full table
Arvada next to Jefferson County and Colorado
Measure
Arvada
Jefferson County
Colorado
U.S.
Typical home value
$632,600
$637,600
$539,400
$332,700
Typical monthly rent
$1,888
$1,861
$1,761
$1,413
Typical yearly household income
$117,348 ▲6% above the county
$110,656
$95,470
$80,734
Households that own their home
75% ▲5 points above the county
71%
66%
65%
Typical yearly property tax
$3,223 ▲5% above the county
$3,082
$2,602
$3,119
Effective property tax rate
0.51% ▲0.03 points above the county
0.48%
0.48%
0.94%
Renters with high rent for their income
52% ▼1 points below the county
53%
53%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jefferson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Arvada
For a typical $632,600 home in Arvada, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Arvada's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,020a month
Least cash to close
Down payment
$22,141
Cash to close
$41,119
Rate
7.18%
Mortgage insurance
FHA MIP · $280
Conventional, 5% down$4,904a month
Down payment
$31,630
Cash to close
$50,608
Rate
7.18%
Mortgage insurance
PMI · $300
Conventional, 20% down, no PMI$3,961a month
Down payment
$126,520
Cash to close
$145,498
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,546a month
Down payment
$94,890
Cash to close
$113,868
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Arvada
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,020
$22,141
$621,142
7.18%
FHA MIP · $280
$41,119
580
Conventional, 5% down
$4,904
$31,630
$600,970
7.18%
PMI · $300
$50,608
620*
Conventional, 20% down, no PMI
$3,961
$126,520
$506,080
7.18%
None
$145,498
620*
ITIN, 15% down (example)
$4,546
$94,890
$537,710
8.18%
None
$113,868
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Arvada is $1,888 a month: about the same as the county. In Arvada, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($2,169 a month) without spending more than 30% of your income, you would need to earn $41.71 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Jefferson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,751
$33.67
$70,040
1 bedroom
$1,831
$35.21
$73,240
2 bedrooms
$2,169
$41.71
$86,760
3 bedrooms
$2,846
$54.73
$113,840
4 bedrooms
$3,183
$61.21
$127,320
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Arvada
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Arvada has 5 ZIP codes with their own.
For 2 bedrooms it runs from $1,990 in 80002 to $3,210 in 80007.
2 of the 5 are above the fair market rent for Jefferson County ($2,169).
2-bedroom fair market rent in each of the 5 ZIP codes of Arvada, beside the one for Jefferson County. For 2 bedrooms it runs from $1,990 in 80002 to $3,210 in 80007. 2 of the 5 are above the fair market rent for Jefferson County ($2,169).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,169
Lowest: $1,990 (80002)Highest: $3,210 (80007)
Fair market rent by ZIP code and size in Arvada, fiscal year 2027.
80002
$1,610
$1,680
$1,990
$2,610
$2,920
80003
$1,650
$1,730
$2,050
$2,690
$3,010
80004
$1,640
$1,710
$2,030
$2,660
$2,980
80005
$2,020
$2,110
$2,500
$3,280
$3,670
80007
$2,590
$2,710
$3,210
$4,210
$4,710
ZIP code2 bd3 bd
80002 $1,990$2,610
80003 $2,050$2,690
80004 $2,030$2,660
80005 $2,500$3,280
80007 $3,210$4,210
4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Arvada when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in Jefferson County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Arvada or Jefferson County. The ones below are statewide in Colorado: they work in Arvada the same as in the rest of the state.
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).
$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).
No legal help resource on our list is for Arvada or Jefferson County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Arvada and all of Jefferson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Arvada?
The typical home value in Arvada is $632,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $637,600.
How much does it cost to rent in Arvada?
Typical rent in Arvada is $1,888 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $2,169.
What is the FHA loan limit in Arvada?
Arvada uses the FHA limit for all of Jefferson County (2026): $862,500 for a one-unit home and $1,658,700 for a four-unit home.
How much property tax do owners pay in Arvada?
The typical homeowner in Arvada pays $3,223 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Jefferson County, the rate is 0.48%.
Where can I find free help to buy or rent in Arvada?
There is 1 HUD-approved counseling agency with an office in Jefferson County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
