In Berkley, a typical home is worth $468,100 and typical rent is $1,777 a month. Compared with all of Adams County, typical household income is 11% lower.
Berkley is in Adams 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 Adams County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Federal Heights, the typical home value is $95,300: 80% less than in Berkley ($468,100).
2
10% of households in Berkley have no internet at home (5% in Adams County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Berkley
What homes there are in Berkley, 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
Berkley
Adams County
Colorado
United States
Kind of home: Berkley and its comparisons
Measure
Berkley
Adams County
Colorado
United States
Detached house
53%
62%
61%
61%
Attached house
13%
9%
8%
6%
Building of 2 to 4
7%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
20%
23%
19%
Mobile home
20%
5%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Berkley, but it weighs less than in Adams County: 53% against 62%.
In Berkley there are many mobile homes: 20% of homes; in Adams County, 5%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Berkley
Adams County
Colorado
United States
Year built: Berkley and its comparisons
Measure
Berkley
Adams County
Colorado
United States
Before 1960
29%
13%
16%
26%
1960–1979
26%
23%
24%
24%
1980–1999
24%
26%
28%
25%
2000–2009
9%
21%
17%
14%
2010 or later
12%
17%
16%
11%
In Berkley, half of the homes were built before 1977; in Adams County, before 1991.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K24%
$500K–$750K28%
$750K–$1M7%
$1M or more11%
Value of owner-occupied homes: Berkley and its comparisons
Measure
Berkley
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
24%
$500K–$750K
28%
$750K–$1M
7%
$1M or more
11%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49931%
$1,500–$1,99925%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Berkley and its comparisons
Measure
Berkley
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
31%
$1,500–$1,999
25%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,315 a month
Adams County: $2,378 a month
Without a mortgage
$602 a month
Adams County: $682 a month
Owners with a mortgage
61%
Adams County: 72%
The typical cost for an owner with a mortgage in Berkley is $2,315 a month, near the figure in Adams County ($2,378).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Berkley+62%
Adams County+57%
Colorado+57%
United States+53%
Typical rent
Berkley+42%
Adams County+32%
Colorado+39%
United States+33%
Typical household income
Berkley+37%
Adams County+33%
Colorado+32%
United States+29%
Change since 2015–2019: Berkley and its comparisons
Measure
Berkley
Adams County
Colorado
United States
Typical home value
+62%
+57%
+57%
+53%
Typical rent
+42%
+32%
+39%
+33%
Typical household income
+37%
+33%
+32%
+29%
Since 2015–2019, homes in Berkley gained value faster than in Adams County: 62% against 57%.
Rents in Berkley rose faster than in Adams County: 42% since 2015–2019, against 32%.
Here income did not keep up with housing: it rose 37%, while home values changed +62% and rent +42%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Berkley and its comparisons
Measure
Berkley
Adams County
Colorado
United States
Rental vacancy
Unreliable estimate
3.5%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
4.2%
2.4%
3.4%
People per household
2.62
2.79
2.42
2.53
Drive alone
76%
70%
65%
69%
Carpool
8%
10%
8%
9%
Public transit
Unreliable estimate
2%
2%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
10%
15%
21%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Berkley are smaller: 2.62 people on average; in Adams County, 2.79.
To get to work, 76% of workers in Berkley drive alone; in Adams County, 70%.
Do the math
What would you pay each month for a home in Berkley?
A typical home costs more than the typical income allows
We start with a typical home in Berkley, worth $468,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Berkley, which is $84,637 a year. For that payment to be 28% of income, a household would need to earn about $161,206 a year.
The calculator's FHA and conventional loan limits are those of all of Adams 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 Berkley. 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 $16,384 (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
$3,762
at 7.18% · 30 years
Loan amount
$459,621
Total interest
$661,287
Paid off in
November 2056
Includes $7,905 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,975 a month
Tight
$1,975 to $2,539 a month
Hard
more than $2,539 a month
Your payment · 53%
Compared with the typical household income in Berkley ($84,637 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,114
Property tax
$246
Home insurance
$195
FHA mortgage insurance (MIP)
$207
You need at least $16,384 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 $3,762; principal and interest $3,114.
The city and its county
Berkley and Adams County
Berkley is in Adams 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).
Berkley
Map of Adams County, Colorado, with Berkley marked. Around it, the neighboring counties.
Berkley
Adams County
Other cities with a page
Berkley's own numbers
Typical home value
$468,100
Typical monthly rent
$1,777
Typical yearly household income
$84,637
Households that own their home
67%
Effective property tax rate
0.63%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Adams 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)
+35%
Homes in a high flood-risk zone
0.3%
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 Adams County.
A typical home in Berkley is worth $468,100: 3% below the county and 13% below Colorado. With the typical household income in Berkley ($84,637 a year), a typical home costs 5.5 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.
Berkley5.5 years
Adams5.1 years
Colorado5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Adams County
According to FHFA’s house price index, home prices in Adams County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Adams County.
Yearly change in FHFA’s price index in Adams County, 2016 to 2025
2016: +13.5% +13.5% 2016
2017: +10.8% +10.8% 2017
2018: +9.4% +9.4% 2018
2019: +4.8% +4.8% 2019
2020: +3.1% +3.1% 2020
2021: +14.5% +14.5% 2021
2022: +16.0% +16.0% 2022
2023: +0.7% +0.7% 2023
2024: +2.0% +2.0% 2024
2025: −1.1% −1.1% 2025
Change in FHFA’s price index in Adams County, Colorado and the United States
Period
County
Colorado
U.S.
Last year (2025)
−1.1%
+0.1%
+2.9%
5 years (2020–2025)
+35%
+38%
+47%
10 years (2015–2025)
+101%
+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
Berkley next to Adams 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
Berkley$468,100
Adams$484,200
Colorado$539,400
United States$332,700
Typical monthly rent
Berkley$1,777
Adams$1,781
Colorado$1,761
United States$1,413
Typical yearly household income
Berkley$84,637
Adams$94,571
Colorado$95,470
United States$80,734
See the full table
Berkley next to Adams County and Colorado
Measure
Berkley
Adams County
Colorado
U.S.
Typical home value
$468,100 ▼3% below the county
$484,200
$539,400
$332,700
Typical monthly rent
$1,777
$1,781
$1,761
$1,413
Typical yearly household income
$84,637 ▼11% below the county
$94,571
$95,470
$80,734
Households that own their home
67% ▼1 points below the county
69%
66%
65%
Typical yearly property tax
$2,936
$2,962
$2,602
$3,119
Effective property tax rate
0.63% ▲0.02 points above the county
0.61%
0.48%
0.94%
Renters with high rent for their income
57% ▼1 points below the county
57%
53%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Adams 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 Berkley
For a typical $468,100 home in Berkley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Berkley's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,761a month
Least cash to close
Down payment
$16,384
Cash to close
$30,427
Rate
7.18%
Mortgage insurance
FHA MIP · $207
Conventional, 5% down$3,676a month
Down payment
$23,405
Cash to close
$37,448
Rate
7.18%
Mortgage insurance
PMI · $222
Conventional, 20% down, no PMI$2,978a month
Down payment
$93,620
Cash to close
$107,663
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,410a month
Down payment
$70,215
Cash to close
$84,258
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Berkley
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,761
$16,384
$459,622
7.18%
FHA MIP · $207
$30,427
580
Conventional, 5% down
$3,676
$23,405
$444,695
7.18%
PMI · $222
$37,448
620*
Conventional, 20% down, no PMI
$2,978
$93,620
$374,480
7.18%
None
$107,663
620*
ITIN, 15% down (example)
$3,410
$70,215
$397,885
8.18%
None
$84,258
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 Berkley is $1,777 a month: about the same as the county. In Berkley, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Adams 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 Adams 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 Berkley
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Berkley is in ZIP code 80221.
For 2 bedrooms it is $2,000: $169 less than the fair market rent for Adams County ($2,169).
Fair market rent by ZIP code and size in Berkley, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
80221
$1,610
$1,690
$2,000
$2,620
$2,930
ZIP code2 bd3 bd
80221 $2,000$2,620
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Berkley 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 are 2 HUD-approved agencies with an office in Adams County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Berkley or Adams County. The ones below are statewide in Colorado: they work in Berkley 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 Berkley or Adams 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 Berkley and all of Adams 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 Berkley?
The typical home value in Berkley is $468,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Adams County it is $484,200.
How much does it cost to rent in Berkley?
Typical rent in Berkley is $1,777 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Adams County is $2,169.
What is the FHA loan limit in Berkley?
Berkley uses the FHA limit for all of Adams 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 Berkley?
The typical homeowner in Berkley pays $2,936 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Adams County, the rate is 0.61%.
Where can I find free help to buy or rent in Berkley?
There are 2 HUD-approved counseling agencies with an office in Adams County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
