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City · 12,411 residents · Weld County, Colorado

Berthoud , Colorado

In Berthoud, a typical home is worth $533,500 and typical rent is $1,795 a month. Compared with all of Weld County, typical household income is 23% higher, typical rent is 17% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $533,500

    13% above the county

    About the same as Colorado

    • Berthoud
    • Weld
    • Colorado

  • Typical rent

    $1,795a month

    17% above the county

    About the same as Colorado

    • Berthoud
    • Weld
    • Colorado

  • Typical household income

    $119,385a year

    23% above the county

    25% above Colorado

    • Berthoud
    • Weld
    • Colorado

  • Households that own their home

    88%

    11 points above the county

    21 points above Colorado

    • Berthoud
    • Weld
    • Colorado

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$605,882
0.8% less than 12 months ago
Typical rent
$2,701 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Berthoud is in Weld County. The FHA loan limit ($575,000 for a one-unit home), the fair market rents and the help on this page are those of all of Weld County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Berthoud apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Milliken, the typical home value is $406,700: 24% less than in Berthoud ($533,500).

  2. The typical household income in Berthoud is $119,385, 23% more than in Weld County as a whole ($97,097).

  3. 88% of households in Berthoud own their home, against 76% in Weld County.

  4. The typical rent in Berthoud is $1,795 a month, 17% more than in Weld County as a whole ($1,539).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Berthoud

What homes there are in Berthoud, 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

In Berthoud, 8 in 10 homes are single-family detached houses; in Weld County, 7.

Year built

The typical home in Berthoud was built in 2011, 10 years after the typical one in Weld County.

In Berthoud, 78% of homes have 3 bedrooms or more, more than in Weld County (75%).

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
Monthly rent with utilities

With a mortgage

$2,345 a month

Weld County: $2,276 a month

Without a mortgage

$714 a month

Weld County: $645 a month

Owners with a mortgage

75%

Weld County: 74%

Owning costs about the same in Berthoud as in Weld County: with a mortgage, $2,345 a month; without one, $714.

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

From 2015–2019 to 2020–2024, home values in Berthoud rose at about the same pace as in Weld County: 56% against 58%.

Rents in Berthoud rose more slowly than in Weld County: 29% since 2015–2019, against 42%.

The typical household income in Berthoud rose 52% over that time; home values changed +56% and rent +29%.

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

MeasureBerthoudWeld CountyColoradoUnited States
Rental vacancy Unreliable estimate6.1%5.1%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate3.0%2.4%3.4%
People per household 2.532.782.422.53
Drive alone 71%72%65%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimate0%2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 21%14%21%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Berthoud are smaller: 2.53 people on average; in Weld County, 2.78.

Working from home is more common in Berthoud: 21%, against 14% in Weld County.

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

Do the math

What would you pay each month for a home in Berthoud?

A typical home costs more than the typical income allows

We start with a typical home in Berthoud, worth $533,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Berthoud, which is $119,385 a year. For that payment to be 28% of income, a household would need to earn about $182,204 a year.

The calculator's FHA and conventional loan limits are those of all of Weld County.

Your numbers

Local data
$

Starts at the typical home value in Berthoud. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $18,673 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,251

at 7.18% · 30 years

Loan amount
$523,836
Total interest
$753,678
Paid off in
November 2056

Includes $9,009 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,786 a month

  • Tight

    $2,786 to $3,582 a month

  • Hard

    more than $3,582 a month

    Your payment · 43%

Compared with the typical household income in Berthoud ($119,385 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,251
Principal & interest$3,549
Property tax$245
Home insurance$222
FHA mortgage insurance (MIP)$236

You need at least $18,673 for the down payment, plus closing costs.

Next step

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.

The city and its county

Berthoud and Weld County

Berthoud is in Weld 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).

Berthoud's own numbers

Typical home value
$533,500
Typical monthly rent
$1,795
Typical yearly household income
$119,385
Households that own their home
88%
Effective property tax rate
0.55%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Weld County

FHA limit, one-unit home
$575,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,647
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
1.6%

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 Weld County.

Everything about Weld County

Buying

Buying a home in Berthoud

A typical home in Berthoud is worth $533,500: 13% above the county and about the same as Colorado. With the typical household income in Berthoud ($119,385 a year), a typical home costs 4.5 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.

  • Berthoud 4.5 years
  • Weld 4.9 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Weld County

According to FHFA’s house price index, home prices in Weld County rose 99% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Weld County.

Period County Colorado U.S.
Last year (2025) +0.7% +0.1% +2.9%
5 years (2020–2025) +37% +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

Berthoud next to Weld 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
  • Berthoud $533,500
  • Weld $471,700
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Berthoud $1,795
  • Weld $1,539
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Berthoud $119,385
  • Weld $97,097
  • Colorado $95,470
  • United States $80,734
See the full table
Berthoud next to Weld County and Colorado
Measure Berthoud Weld County Colorado U.S.
Typical home value $533,500 $471,700 $539,400 $332,700
Typical monthly rent $1,795 $1,539 $1,761 $1,413
Typical yearly household income $119,385 $97,097 $95,470 $80,734
Households that own their home 88% 76% 66% 65%
Typical yearly property tax $2,938 $2,440 $2,602 $3,119
Effective property tax rate 0.55% 0.52% 0.48% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Weld 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 Berthoud

For a typical $533,500 home in Berthoud, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Berthoud's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,251a month

    Least cash to close
    Down payment
    $18,673
    Cash to close
    $34,678
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $236

  • Conventional, 5% down $4,154a month

    Down payment
    $26,675
    Cash to close
    $42,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $253

  • Conventional, 20% down, no PMI $3,358a month

    Down payment
    $106,700
    Cash to close
    $122,705
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,851a month

    Down payment
    $80,025
    Cash to close
    $96,030
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Berthoud and for Weld County.

Property tax

Effective rate in Berthoud

0.55%of the home’s value each year

$2,938 a year for the typical owner in Berthoud.

  • Berthoud 0.55%
  • Weld 0.52%
  • Colorado 0.48%

What Colorado publishes Senior homestead exemption (owners 65 and older) (Colorado General Assembly (Colorado Revised Statutes 2024, Title 39))

Exemptions and deadlines in Colorado

Flood risk in Weld County

FEMA does not publish these numbers by city: they are for all of Weld County.

Homes in the high-risk zone
1.6%
1,671
Of those, with NFIP insurance
12%
County Colorado U.S.
Homes in the high-risk zone 1.6% 1.1% 3.5%
Of those, with NFIP insurance 12% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Berthoud

Typical rent in Berthoud is $1,795 a month: 17% above the county.

HUD publishes a fair market rent for all of Weld County, by unit size. To pay the 2-bedroom one ($1,647 a month) without spending more than 30% of your income, you would need to earn $31.67 an hour working full time.

HUD fair market rent for all of Weld County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,240 $23.85 $49,600
1 bedroom $1,307 $25.13 $52,280
2 bedrooms $1,647 $31.67 $65,880
3 bedrooms $2,281 $43.87 $91,240
4 bedrooms $2,753 $52.94 $110,120

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 Berthoud

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Berthoud has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,910 in 80534 to $1,920 in 80513.

2 of the 2 are above the fair market rent for Weld County ($1,647).

  • 80513 $1,920$2,540
  • 80534 $1,910$2,630

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Berthoud 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Berthoud

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.

We found no HUD-approved agencies with an office in Weld County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Berthoud

No down payment, repair or rent-help program on our list is for Berthoud or Weld County. The ones below are statewide in Colorado: they work in Berthoud the same as in the rest of the state.

Which programs do I qualify for? All programs in Colorado

  • CHFA Down Payment Assistance

    Statewide in Colorado

    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

    See the program Official page

  • CHFA FirstGeneration

    Statewide in Colorado

    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

    See the program Official page

Housing counselors near Berthoud

The HUD-approved agencies closest to the center of Berthoud, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Oweesta Corporation

    2432 Main St, Longmont · 9 miles away

    (303) 774-8838

  • Neighbor To Neighbor

    1550 Blue Spruce Dr, Fort Collins · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (970) 484-7498

  • Operation Hope-Commerce City Co

    6565 E 73rd Ave, Commerce City · 32 miles away

    • Homelessness services
    • Pre-purchase counseling
    • and 1 more
    (571) 544-2282

All counseling agencies in Colorado

Help in Spanish near Berthoud

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Berthoud

HUD’s record names them for Berthoud or Weld County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

4 other authorities have an office in Weld County: see the list Source: HUD

Cities

Other cities in Weld County

These cities are also in Weld County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Weld County Housing in Colorado
See 2 more cities in Weld County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Berthoud, with the typical home value.

Neighboring counties

If Weld County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Berthoud.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Berthoud

Short answers with the numbers for Berthoud and all of Weld 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 Berthoud?

The typical home value in Berthoud is $533,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Weld County it is $471,700.

How much does it cost to rent in Berthoud?

Typical rent in Berthoud is $1,795 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Weld County is $1,647.

What is the FHA loan limit in Berthoud?

Berthoud uses the FHA limit for all of Weld County (2026): $575,000 for a one-unit home and $1,105,800 for a four-unit home.

How much property tax do owners pay in Berthoud?

The typical homeowner in Berthoud pays $2,938 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Weld County, the rate is 0.52%.

Where can I find free help to buy or rent in Berthoud?

We found no HUD-approved counseling agencies with an office in Weld County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).