In Commerce City, a typical home is worth $499,700 and typical rent is $1,880 a month. Compared with all of Adams County, typical household income is 18% higher, typical rent is 6% higher, and the share of households that own their home is 9 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $472,470 to $477,302.
Typical rent
$2,489a month
▲ 0.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,077 to $2,489.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Commerce City 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 Derby, the typical home value is $353,000: 29% less than in Commerce City ($499,700).
2
The typical household income in Commerce City is $111,972,18% more than in Adams County as a whole ($94,571).
3
77% of households in Commerce City own their home, against 69% in Adams County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Commerce City
What homes there are in Commerce City, 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
Commerce City
Adams County
Colorado
United States
Kind of home: Commerce City and its comparisons
Measure
Commerce City
Adams County
Colorado
United States
Detached house
79%
62%
61%
61%
Attached house
10%
9%
8%
6%
Building of 2 to 4
2%
4%
5%
8%
Apartments (5 or more)
7%
20%
23%
19%
Mobile home
2%
5%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Commerce City: 79% of homes, more than in Adams County (62%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Commerce City
Adams County
Colorado
United States
Year built: Commerce City and its comparisons
Measure
Commerce City
Adams County
Colorado
United States
Before 1960
16%
13%
16%
26%
1960–1979
8%
23%
24%
24%
1980–1999
7%
26%
28%
25%
2000–2009
39%
21%
17%
14%
2010 or later
30%
17%
16%
11%
Here half of the homes date from 2005 or later; in Adams County, from 1991 or later.
In Commerce City, 76% of homes have 3 bedrooms or more, more than in Adams County (65%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200KUnreliable
$200K–$300K4%
$300K–$500K42%
$500K–$750K43%
$750K–$1M4%
$1M or moreUnreliable
Value of owner-occupied homes: Commerce City and its comparisons
Measure
Commerce City
Under $100K
3%
$100K–$200K
Unreliable estimate
$200K–$300K
4%
$300K–$500K
42%
$500K–$750K
43%
$750K–$1M
4%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99912%
$1,000–$1,49919%
$1,500–$1,99920%
$2,000–$2,49921%
$2,500–$2,99910%
$3,000 or more14%
Monthly rent with utilities: Commerce City and its comparisons
Measure
Commerce City
Under $500
Unreliable estimate
$500–$999
12%
$1,000–$1,499
19%
$1,500–$1,999
20%
$2,000–$2,499
21%
$2,500–$2,999
10%
$3,000 or more
14%
With a mortgage
$2,553 a month
Adams County: $2,378 a month
Without a mortgage
$676 a month
Adams County: $682 a month
Owners with a mortgage
79%
Adams County: 72%
The typical cost for an owner with a mortgage in Commerce City is $2,553 a month, more than in Adams County ($2,378); without one, $676.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Commerce City+56%
Adams County+57%
Colorado+57%
United States+53%
Typical rent
Commerce City+46%
Adams County+32%
Colorado+39%
United States+33%
Typical household income
Commerce City+45%
Adams County+33%
Colorado+32%
United States+29%
Change since 2015–2019: Commerce City and its comparisons
Measure
Commerce City
Adams County
Colorado
United States
Typical home value
+56%
+57%
+57%
+53%
Typical rent
+46%
+32%
+39%
+33%
Typical household income
+45%
+33%
+32%
+29%
The typical home value in Commerce City rose 56% since 2015–2019, about the same as in Adams County (57%).
Since 2015–2019, the typical rent in Commerce City rose 46%, more than in Adams County (32%).
To compare: typical income in Commerce City rose 45%; the home, +56%; the rent, +46%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Commerce City and its comparisons
Measure
Commerce City
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
3.5%
4.2%
2.4%
3.4%
People per household
2.95
2.79
2.42
2.53
Drive alone
73%
70%
65%
69%
Carpool
7%
10%
8%
9%
Public transit
Unreliable estimate
2%
2%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
17%
15%
21%
15%
Other means
2%
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Commerce City, 3.5% of households live with more than one person per room, about the same as in Adams County.
Households in Commerce City are bigger: 2.95 people on average; in Adams County, 2.79.
To get to work, 73% of workers in Commerce City drive alone; in Adams County, 70%.
Do the math
What would you pay each month for a home in Commerce City?
A typical home costs more than the typical income allows
We start with a typical home in Commerce City, worth $499,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Commerce City, which is $111,972 a year. For that payment to be 28% of income, a household would need to earn about $176,550 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 Commerce City. 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 $17,490 (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
$4,120
at 7.18% · 30 years
Loan amount
$490,649
Total interest
$705,928
Paid off in
November 2056
Includes $8,439 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,613 a month
Tight
$2,613 to $3,359 a month
Hard
more than $3,359 a month
Your payment · 44%
Compared with the typical household income in Commerce City ($111,972 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,324
Property tax
$366
Home insurance
$208
FHA mortgage insurance (MIP)
$221
You need at least $17,490 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 $4,120; principal and interest $3,324.
The city and its county
Commerce City and Adams County
Commerce City 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).
Commerce City
Map of Adams County, Colorado, with Commerce City marked. Around it, the neighboring counties.
Commerce City
Adams County
Other cities with a page
Commerce City's own numbers
Typical home value
$499,700
Typical monthly rent
$1,880
Typical yearly household income
$111,972
Households that own their home
77%
Effective property tax rate
0.88%
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 Commerce City is worth $499,700: 3% above the county and 7% below Colorado. With the typical household income in Commerce City ($111,972 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.
Commerce City4.5 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
Commerce City 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
Commerce City$499,700
Adams$484,200
Colorado$539,400
United States$332,700
Typical monthly rent
Commerce City$1,880
Adams$1,781
Colorado$1,761
United States$1,413
Typical yearly household income
Commerce City$111,972
Adams$94,571
Colorado$95,470
United States$80,734
See the full table
Commerce City next to Adams County and Colorado
Measure
Commerce City
Adams County
Colorado
U.S.
Typical home value
$499,700 ▲3% above the county
$484,200
$539,400
$332,700
Typical monthly rent
$1,880 ▲6% above the county
$1,781
$1,761
$1,413
Typical yearly household income
$111,972 ▲18% above the county
$94,571
$95,470
$80,734
Households that own their home
77% ▲9 points above the county
69%
66%
65%
Typical yearly property tax
$4,384 ▲48% above the county
$2,962
$2,602
$3,119
Effective property tax rate
0.88% ▲0.27 points above the county
0.61%
0.48%
0.94%
Renters with high rent for their income
58%
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 Commerce City
For a typical $499,700 home in Commerce City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Commerce City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,119a month
Least cash to close
Down payment
$17,490
Cash to close
$32,481
Rate
7.18%
Mortgage insurance
FHA MIP · $221
Conventional, 5% down$4,028a month
Down payment
$24,985
Cash to close
$39,976
Rate
7.18%
Mortgage insurance
PMI · $237
Conventional, 20% down, no PMI$3,283a month
Down payment
$99,940
Cash to close
$114,931
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,745a month
Down payment
$74,955
Cash to close
$89,946
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Commerce City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,119
$17,490
$490,649
7.18%
FHA MIP · $221
$32,481
580
Conventional, 5% down
$4,028
$24,985
$474,715
7.18%
PMI · $237
$39,976
620*
Conventional, 20% down, no PMI
$3,283
$99,940
$399,760
7.18%
None
$114,931
620*
ITIN, 15% down (example)
$3,745
$74,955
$424,745
8.18%
None
$89,946
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 Commerce City is $1,880 a month: 6% above the county. In Commerce City, 58% 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 Commerce City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Commerce City has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,890 in 80022 to $2,620 in 80640.
1 of the 2 is above the fair market rent for Adams County ($2,169).
Fair market rent by ZIP code and size in Commerce City, fiscal year 2027.
80022
$1,530
$1,600
$1,890
$2,480
$2,770
80640
$2,120
$2,210
$2,620
$3,440
$3,840
ZIP code2 bd3 bd
80022 $1,890$2,480
80640 $2,620$3,440
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Commerce City 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)
HUD lists 12 buildings with rents for lower incomes in Commerce City. These are the largest.
North Range Crossings14350 E 104th Ave, Commerce City 80022216 low-income homes · 1 bd: 24 · 2 bd: 96 · 3 bd: 96 · In service since 2018 · For families
Holly Park Apartments5524 E 60th Ave, Commerce City 80022168 low-income homes · 1 bd: 36 · 2 bd: 84 · 3 bd: 24 · 4 bd: 24 · In service since 2018 · For families
Village Crest 20176201 E 62nd Ave, Commerce City 80022120 low-income homes · 1 bd: 12 · 2 bd: 84 · 3 bd: 24 · In service since 2019 · For families
Pinecrest at Commerce City5655 Olive St, Commerce City 80022112 homes, 111 low-income · 1 bd: 24 · 2 bd: 82 · 3 bd: 6 · In service since 2006 · For families
Holly Park West5460 E 60th Ave, Commerce City 8002296 low-income homes · For families(303) 287-9087
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 Commerce City or Adams County. The ones below are statewide in Colorado: they work in Commerce City 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).
The HUD-approved agencies closest to the center of Commerce City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Commerce City 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 Commerce City 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 Commerce City?
The typical home value in Commerce City is $499,700, 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 Commerce City?
Typical rent in Commerce City is $1,880 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 Commerce City?
Commerce City 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 Commerce City?
The typical homeowner in Commerce City pays $4,384 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Adams County, the rate is 0.61%.
Where can I find free help to buy or rent in Commerce City?
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.
