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City · 25,478 residents · Jefferson County, Colorado

Columbine , Colorado

In Columbine, a typical home is worth $617,200 and typical rent is $2,448 a month. Compared with all of Jefferson County, typical rent is 32% higher, typical household income is 19% higher, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $617,200

    3% below the county

    14% above Colorado

    • Columbine
    • Jefferson
    • Colorado

  • Typical rent

    $2,448a month

    32% above the county

    39% above Colorado

    • Columbine
    • Jefferson
    • Colorado

  • Typical household income

    $131,232a year

    19% above the county

    37% above Colorado

    • Columbine
    • Jefferson
    • Colorado

  • Households that own their home

    89%

    19 points above the county

    23 points above Colorado

    • Columbine
    • Jefferson
    • Colorado

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

Columbine 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Columbine apart

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

  1. Nearby, in Sheridan, the typical home value is $380,600: 38% less than in Columbine ($617,200).

  2. 89% of households in Columbine own their home, against 71% in Jefferson County.

  3. Nearby, in Sheridan, the typical rent is $1,622: 34% less than in Columbine ($2,448).

  4. The typical rent in Columbine is $2,448 a month, 32% more than in Jefferson County as a whole ($1,861).

  5. The typical household income in Columbine is $131,232, 19% more than in Jefferson County as a whole ($110,656).

  6. Columbine has the 7th largest share of rent-burdened renters of the 94 cities in Colorado with more than 5,000 people (69%).

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

The homes here

Housing in Columbine

What homes there are in Columbine, 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 houses, standing on their own, make up 79% of homes here, against 64% in Jefferson County.

Year built

Homes in Columbine are older: the typical year built is 1976; in Jefferson County, 1980.

There is more room for a big family here: 86% of homes have 3 bedrooms or more, against 64% in Jefferson 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

$2,593 a month

Jefferson County: $2,498 a month

Without a mortgage

$750 a month

Jefferson County: $737 a month

Owners with a mortgage

72%

Jefferson County: 71%

Owning costs about the same in Columbine as in Jefferson County: with a mortgage, $2,593 a month; without one, $750.

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 Columbine rose 53% since 2015–2019, less than in Jefferson County (60%).

Since 2015–2019, the typical rent in Columbine rose 31%, less than in Jefferson County (35%).

To compare: typical income in Columbine rose 29%; the home, +53%; the rent, +31%.

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

MeasureColumbineJefferson CountyColoradoUnited States
Rental vacancy Unreliable estimate4.9%5.1%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.4%2.4%3.4%
People per household 2.652.362.422.53
Drive alone 69%64%65%69%
Carpool 7%6%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike 2%2%3%3%
Work from home 22%25%21%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.65 on average, against 2.36 in Jefferson County.

The car rules in Columbine: 69% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Columbine?

A typical home costs more than the typical income allows

We start with a typical home in Columbine, worth $617,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Columbine, which is $131,232 a year. For that payment to be 28% of income, a household would need to earn about $209,688 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Columbine. 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 $21,602 (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

$4,893

at 7.18% · 30 years

Loan amount
$606,021
Total interest
$871,922
Paid off in
November 2056

Includes $10,423 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,062 a month

  • Tight

    $3,062 to $3,937 a month

  • Hard

    more than $3,937 a month

    Your payment · 45%

Compared with the typical household income in Columbine ($131,232 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,893
Principal & interest$4,105
Property tax$257
Home insurance$257
FHA mortgage insurance (MIP)$273

You need at least $21,602 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

Columbine and Jefferson County

Columbine 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).

Columbine's own numbers

Typical home value
$617,200
Typical monthly rent
$2,448
Typical yearly household income
$131,232
Households that own their home
89%
Effective property tax rate
0.5%

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.

Everything about Jefferson County

Buying

Buying a home in Columbine

A typical home in Columbine is worth $617,200: 3% below the county and 14% above Colorado. With the typical household income in Columbine ($131,232 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.

  • Columbine 4.7 years
  • Jefferson 5.8 years
  • Colorado 5.6 years
  • United States 4.1 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.

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

Columbine 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
  • Columbine $617,200
  • Jefferson $637,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Columbine $2,448
  • Jefferson $1,861
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Columbine $131,232
  • Jefferson $110,656
  • Colorado $95,470
  • United States $80,734
See the full table
Columbine next to Jefferson County and Colorado
Measure Columbine Jefferson County Colorado U.S.
Typical home value $617,200 $637,600 $539,400 $332,700
Typical monthly rent $2,448 $1,861 $1,761 $1,413
Typical yearly household income $131,232 $110,656 $95,470 $80,734
Households that own their home 89% 71% 66% 65%
Typical yearly property tax $3,084 $3,082 $2,602 $3,119
Effective property tax rate 0.5% 0.48% 0.48% 0.94%
Renters with high rent for their income 69% 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 Columbine

For a typical $617,200 home in Columbine, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Columbine's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,893a month

    Least cash to close
    Down payment
    $21,602
    Cash to close
    $40,118
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $273

  • Conventional, 5% down $4,780a month

    Down payment
    $30,860
    Cash to close
    $49,376
    Rate
    7.18%
    Mortgage insurance
    PMI · $293

  • Conventional, 20% down, no PMI $3,859a month

    Down payment
    $123,440
    Cash to close
    $141,956
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,430a month

    Down payment
    $92,580
    Cash to close
    $111,096
    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 Columbine and for Jefferson County.

Property tax

Effective rate in Columbine

0.5%of the home’s value each year

$3,084 a year for the typical owner in Columbine.

  • Columbine 0.5%
  • Jefferson 0.48%
  • 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 Jefferson County

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

Homes in the high-risk zone
0.9%
1,778
Of those, with NFIP insurance
41%
County Colorado U.S.
Homes in the high-risk zone 0.9% 1.1% 3.5%
Of those, with NFIP insurance 41% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Columbine

Typical rent in Columbine is $2,448 a month: 32% above the county. In Columbine, 69% 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.

HUD fair market rent for all of Jefferson 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 Columbine

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

For 2 bedrooms it runs from $2,330 in 80128 to $2,510 in 80123.

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

  • 80123 $2,510$3,290
  • 80128 $2,330$3,060

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Columbine 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 Columbine

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Columbine

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

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

  • Southwest Improvement Council

    5045 W 1st Ave, Denver · 9 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (303) 934-0923

  • Colorado Housing Assistance Corporation

    670 Santa Fe Dr, Denver · 10 miles away

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

  • Denver Housing Authority

    3550 W 13th Ave, Denver · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (720) 956-3806

Every agency in Jefferson County All counseling agencies in Colorado

Help in Spanish near Columbine

None 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 Columbine

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

  • Jefferson County Housing Authority Public housing and Section 8 vouchers (303) 422-8600

2 other authorities have an office in Jefferson County: see the list Source: HUD

Cities

Other cities in Jefferson County

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

Everything about Jefferson County Housing in Colorado

Nearby cities

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

Neighboring counties

If Jefferson 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 Columbine.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Columbine

Short answers with the numbers for Columbine 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 Columbine?

The typical home value in Columbine is $617,200, 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 Columbine?

Typical rent in Columbine is $2,448 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 Columbine?

Columbine 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 Columbine?

The typical homeowner in Columbine pays $3,084 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Jefferson County, the rate is 0.48%.

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

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.

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).