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City · 13,388 residents · Douglas County, Colorado

Castle Pines , Colorado

In Castle Pines, a typical home is worth $895,500 and typical rent is $2,211 a month. Compared with all of Douglas County, typical household income is 28% higher and the typical home value is 25% higher.

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  • Typical home value

    $895,500

    25% above the county

    66% above Colorado

    • Castle Pines
    • Douglas
    • Colorado

  • Typical rent

    $2,211a month

    About the same as the county

    26% above Colorado

    • Castle Pines
    • Douglas
    • Colorado

  • Typical household income

    $191,229a year

    28% above the county

    100% above Colorado

    • Castle Pines
    • Douglas
    • Colorado

  • Households that own their home

    81%

    3 points above the county

    14 points above Colorado

    • Castle Pines
    • Douglas
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$877,990
about the same as 12 months ago
Typical rent
$2,453 a month
2.8% more than 12 months ago

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

Castle Pines is in Douglas 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 Douglas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Castle Pines apart

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

  1. Castle Pines has the 3rd largest share of rent-burdened renters of the 94 cities in Colorado with more than 5,000 people (74%).

  2. Castle Pines has the 4th highest typical household income of the 113 cities in Colorado with more than 5,000 people ($191,229).

  3. Nearby, in Meridian, the typical home value is $581,100: 35% less than in Castle Pines ($895,500).

  4. The typical home in Castle Pines is worth $895,500, 25% more than in Douglas County as a whole ($713,600).

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

The homes here

Housing in Castle Pines

What homes there are in Castle Pines, 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

The detached house rules in Castle Pines: 77% of homes, more than in Douglas County (73%).

Year built

The typical year built in Castle Pines is 2005, about the same as in Douglas County (2002).

In Castle Pines, 83% of homes have 3 bedrooms or more, more than in Douglas County (76%).

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

$3,772 a month

Douglas County: $2,893 a month

Without a mortgage

$1,036 a month

Douglas County: $864 a month

Owners with a mortgage

76%

Douglas County: 78%

Owning costs more in Castle Pines: with a mortgage, the typical cost is $3,772 a month; in Douglas County, $2,893. Without one, $1,036.

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

The typical home value in Castle Pines rose 46% since 2015–2019, less than in Douglas County (52%).

Much as in Douglas County, the typical rent in Castle Pines rose 25% since 2015–2019.

Here income did not keep up with housing: it rose 17%, while home values changed +46% and rent +25%.

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

MeasureCastle PinesDouglas CountyColoradoUnited States
Rental vacancy Unreliable estimate4.4%5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.4%2.4%3.4%
People per household 2.662.692.422.53
Drive alone 55%62%65%69%
Carpool 4%5%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 37%31%21%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Douglas County, a household in Castle Pines has 2.66 people on average.

Working from home is more common in Castle Pines: 37%, against 31% in Douglas 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 Castle Pines?

A typical home costs more than the typical income allows

We start with a typical home in Castle Pines, worth $895,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Castle Pines, which is $191,229 a year. For that payment to be 28% of income, a household would need to earn about $313,288 a year. Note: at that price the loan is above the FHA limit for Douglas County ($862,500), so FHA would not insure it; the payment is only a reference.

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

Your numbers

Local data
$

Starts at the typical home value in Castle Pines. 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 $31,343 (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

$7,310

at 7.18% · 30 years

Loan amount
$879,280
Total interest
$1,265,077
Paid off in
November 2056

Includes $15,123 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,462 a month

  • Tight

    $4,462 to $5,737 a month

  • Hard

    more than $5,737 a month

    Your payment · 46%

Compared with the typical household income in Castle Pines ($191,229 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,310
Principal & interest$5,957
Property tax$440
Home insurance$373
FHA mortgage insurance (MIP)$540

This loan is over the FHA limit

You'd borrow $864,157, but the FHA limit for a one-unit home in Castle Pines is $862,500. You'd need a bigger down payment or a different loan.

You need at least $31,343 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

Castle Pines and Douglas County

Castle Pines is in Douglas 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).

Castle Pines's own numbers

Typical home value
$895,500
Typical monthly rent
$2,211
Typical yearly household income
$191,229
Households that own their home
81%
Effective property tax rate
0.59%

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

Numbers for all of Douglas 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)
+40%
Homes in a high flood-risk zone
0.1%

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 Douglas County.

Everything about Douglas County

Buying

Buying a home in Castle Pines

A typical home in Castle Pines is worth $895,500: 25% above the county and 66% above Colorado. With the typical household income in Castle Pines ($191,229 a year), a typical home costs 4.7 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.

  • Castle Pines 4.7 years
  • Douglas 4.8 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Douglas County

According to FHFA’s house price index, home prices in Douglas County rose 88% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) +1.7% +0.1% +2.9%
5 years (2020–2025) +40% +38% +47%
10 years (2015–2025) +88% +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

Castle Pines next to Douglas 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
  • Castle Pines $895,500
  • Douglas $713,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Castle Pines $2,211
  • Douglas $2,193
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Castle Pines $191,229
  • Douglas $149,594
  • Colorado $95,470
  • United States $80,734
See the full table
Castle Pines next to Douglas County and Colorado
Measure Castle Pines Douglas County Colorado U.S.
Typical home value $895,500 $713,600 $539,400 $332,700
Typical monthly rent $2,211 $2,193 $1,761 $1,413
Typical yearly household income $191,229 $149,594 $95,470 $80,734
Households that own their home 81% 77% 66% 65%
Typical yearly property tax $5,269 $3,947 $2,602 $3,119
Effective property tax rate 0.59% 0.55% 0.48% 0.94%
Renters with high rent for their income 74% 51% 53% 51%

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

For a typical $895,500 home in Castle Pines, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Castle Pines's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,310a month

    Above the FHA limit for Douglas County ($862,500)
    Down payment
    $31,343
    Cash to close
    $58,208
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $540

  • Conventional, 5% down $7,002a month

    Least cash to close
    Down payment
    $44,775
    Cash to close
    $71,640
    Rate
    7.18%
    Mortgage insurance
    PMI · $425

  • Conventional, 20% down, no PMI $5,667a month

    Down payment
    $179,100
    Cash to close
    $205,965
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,494a month

    Down payment
    $134,325
    Cash to close
    $161,190
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Castle Pines and for Douglas County.

Property tax

Effective rate in Castle Pines

0.59%of the home’s value each year

$5,269 a year for the typical owner in Castle Pines.

  • Castle Pines 0.59%
  • Douglas 0.55%
  • 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 Douglas County

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

Homes in the high-risk zone
0.1%
71
Of those, with NFIP insurance
20%
County Colorado U.S.
Homes in the high-risk zone 0.1% 1.1% 3.5%
Of those, with NFIP insurance 20% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Castle Pines

Typical rent in Castle Pines is $2,211 a month: about the same as the county. In Castle Pines, 74% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Douglas 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.

HUD fair market rent for all of Douglas 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 $1,751 $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 Castle Pines

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Castle Pines is in ZIP code 80108.

For 2 bedrooms it is $2,330: $161 more than the fair market rent for Douglas County ($2,169).

  • 80108 $2,330$3,060

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Castle Pines 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 Castle Pines

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 Douglas County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Castle Pines

No down payment, repair or rent-help program on our list is for Castle Pines or Douglas County. The ones below are statewide in Colorado: they work in Castle Pines 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 Castle Pines

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

  • Douglas County Housing Partnership

    9350 Heritage Hills Circle, Lone Tree · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 2 more
    (303) 784-7859

  • NSC (naca Counseling Subsidiary) - Denver, CO

    14707 East 2nd Avenue Suite 110, Aurora · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (303) 694-5437

  • Colorado Housing Assistance Corporation

    670 Santa Fe Dr, Denver · 19 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (303) 572-9445

Every agency in Douglas County All counseling agencies in Colorado

Help in Spanish near Castle Pines

2 of the 3 agencies on this list say they serve 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 Castle Pines

HUD lists no housing authority with an office in Douglas County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Colorado Source: HUD

Cities

Other cities in Douglas County

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

Everything about Douglas County Housing in Colorado

Nearby cities

The cities closest to Castle Pines, with the typical home value.

Neighboring counties

If Douglas 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 Castle Pines.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Castle Pines

Short answers with the numbers for Castle Pines and all of Douglas 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 Castle Pines?

The typical home value in Castle Pines is $895,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Douglas County it is $713,600.

How much does it cost to rent in Castle Pines?

Typical rent in Castle Pines is $2,211 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Douglas County is $2,169.

What is the FHA loan limit in Castle Pines?

Castle Pines uses the FHA limit for all of Douglas 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 Castle Pines?

The typical homeowner in Castle Pines pays $5,269 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Douglas County, the rate is 0.55%.

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

There is 1 HUD-approved counseling agency with an office in Douglas County. 1 says it serves in Spanish. 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).