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City · 79,123 residents · Douglas County, Colorado

Castle Rock , Colorado

In Castle Rock, a typical home is worth $652,900 and typical rent is $2,000 a month. Compared with all of Douglas County, typical rent is 9% lower and the typical home value is 9% lower.

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  • Typical home value

    $652,900

    9% below the county

    21% above Colorado

    • Castle Rock
    • Douglas
    • Colorado

  • Typical rent

    $2,000a month

    9% below the county

    14% above Colorado

    • Castle Rock
    • Douglas
    • Colorado

  • Typical household income

    $145,197a year

    3% below the county

    52% above Colorado

    • Castle Rock
    • Douglas
    • Colorado

  • Households that own their home

    79%

    1 points above the county

    13 points above Colorado

    • Castle Rock
    • Douglas
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$657,743
1.1% less than 12 months ago
Typical rent
$2,333 a month
1.6% more than 12 months ago

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

Castle Rock 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

The homes here

Housing in Castle Rock

What homes there are in Castle Rock, 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 is the most common home in Castle Rock: 74% of homes, near the figure in Douglas County (73%).

Year built

Here half of the homes date from 2007 or later; in Douglas County, from 2002 or later.

In Castle Rock, 78% of homes have 3 bedrooms or more, about the same as in Douglas County.

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

$2,787 a month

Douglas County: $2,893 a month

Without a mortgage

$798 a month

Douglas County: $864 a month

Owners with a mortgage

85%

Douglas County: 78%

In Castle Rock, 85% of owners have a mortgage; their typical cost is $2,787 a month, about the same as in Douglas County.

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 Castle Rock rose at about the same pace as in Douglas County: 55% against 52%.

Since 2015–2019, the typical rent in Castle Rock rose 30%, more than in Douglas County (27%).

While home values in Castle Rock changed +55% and rent +30%, the typical household income rose 32%.

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 RockDouglas 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 1.8%1.4%2.4%3.4%
People per household 2.782.692.422.53
Drive alone 63%62%65%69%
Carpool 5%5%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike 2%1%3%3%
Work from home 29%31%21%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 1.8% of households in Castle Rock live, near the figure in Douglas County (1.4%).

A household in Castle Rock has 2.78 people on average, about the same as in Douglas County (2.69).

To get to work, 63% of workers in Castle Rock drive alone; in Douglas County, 62%.

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 Rock?

A typical home costs more than the typical income allows

We start with a typical home in Castle Rock, worth $652,900, 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 Castle Rock, which is $145,197 a year. For that payment to be 28% of income, a household would need to earn about $223,215 a year.

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 Rock. 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 $22,852 (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

$5,208

at 7.18% · 30 years

Loan amount
$641,074
Total interest
$922,355
Paid off in
November 2056

Includes $11,026 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,388 a month

  • Tight

    $3,388 to $4,356 a month

  • Hard

    more than $4,356 a month

    Your payment · 43%

Compared with the typical household income in Castle Rock ($145,197 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,208
Principal & interest$4,343
Property tax$305
Home insurance$272
FHA mortgage insurance (MIP)$289

You need at least $22,852 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 Rock and Douglas County

Castle Rock 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 Rock's own numbers

Typical home value
$652,900
Typical monthly rent
$2,000
Typical yearly household income
$145,197
Households that own their home
79%
Effective property tax rate
0.56%

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 Rock

A typical home in Castle Rock is worth $652,900: 9% below the county and 21% above Colorado. With the typical household income in Castle Rock ($145,197 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.

  • Castle Rock 4.5 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 Rock 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 Rock $652,900
  • Douglas $713,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Castle Rock $2,000
  • Douglas $2,193
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Castle Rock $145,197
  • Douglas $149,594
  • Colorado $95,470
  • United States $80,734
See the full table
Castle Rock next to Douglas County and Colorado
Measure Castle Rock Douglas County Colorado U.S.
Typical home value $652,900 $713,600 $539,400 $332,700
Typical monthly rent $2,000 $2,193 $1,761 $1,413
Typical yearly household income $145,197 $149,594 $95,470 $80,734
Households that own their home 79% 77% 66% 65%
Typical yearly property tax $3,635 $3,947 $2,602 $3,119
Effective property tax rate 0.56% 0.55% 0.48% 0.94%
Renters with high rent for their income 62% 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 Rock

For a typical $652,900 home in Castle Rock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Castle Rock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,208a month

    Least cash to close
    Down payment
    $22,852
    Cash to close
    $42,439
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $289

  • Conventional, 5% down $5,089a month

    Down payment
    $32,645
    Cash to close
    $52,232
    Rate
    7.18%
    Mortgage insurance
    PMI · $310

  • Conventional, 20% down, no PMI $4,115a month

    Down payment
    $130,580
    Cash to close
    $150,167
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,719a month

    Down payment
    $97,935
    Cash to close
    $117,522
    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 Castle Rock and for Douglas County.

Property tax

Effective rate in Castle Rock

0.56%of the home’s value each year

$3,635 a year for the typical owner in Castle Rock.

  • Castle Rock 0.56%
  • 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 Rock

Typical rent in Castle Rock is $2,000 a month: 9% below the county. In Castle Rock, 62% 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 Rock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Castle Rock has 3 ZIP codes with their own.

For 2 bedrooms it runs from $2,190 in 80104 to $2,650 in 80109.

3 of the 3 are above the fair market rent for Douglas County ($2,169).

  • 80104 $2,190$2,870
  • 80108 $2,330$3,060
  • 80109 $2,650$3,480

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Castle Rock 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?

Low-income apartments

Low-income apartments in Castle Rock

HUD lists 7 buildings with rents for lower incomes in Castle Rock. These are the largest.

  • Reserve at Castle Highlands 1040 Highland Vista Ave, Castle Rock 80109 200 low-income homes · 1 bd: 68 · 2 bd: 100 · 3 bd: 32 · In service since 2002
  • Pines at Castle Rock Phase I 2220 Castlegate Dr N, Castle Rock 80108 248 homes, 107 low-income · 1 bd: 72 · 2 bd: 152 · 3 bd: 24 · In service since 1997
  • Pines at Castle Rock Phase III 2220 Castlegate Dr N, Castle Rock 80108 134 homes, 67 low-income · 1 bd: 48 · 2 bd: 64 · 3 bd: 22 · In service since 2000
  • Reyn Rock Apts 403 Perry St, Castle Rock 80104 33 low-income homes · For people with disabilities (720) 369-6004
  • Castle Creek Commons East 200 S Gilbert St, Castle Rock 80104 20 low-income homes · For families (303) 688-6130

See all 14 buildings in Douglas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Castle Rock

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Castle Rock

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

The HUD-approved agencies closest to the center of Castle Rock, 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 · 11 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 · 24 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 · 25 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 Rock

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 Rock

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 Rock, 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 Rock.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Castle Rock

Short answers with the numbers for Castle Rock 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 Rock?

The typical home value in Castle Rock is $652,900, 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 Rock?

Typical rent in Castle Rock is $2,000 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 Rock?

Castle Rock 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 Rock?

The typical homeowner in Castle Rock pays $3,635 a year, according to the U.S. Census Bureau. That is 0.56% 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 Rock?

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).