Español

Este sitio también está en español. Leer en español

City · 33,753 residents · Jefferson County, Colorado

Dakota Ridge , Colorado

In Dakota Ridge, a typical home is worth $604,600 and typical rent is $2,176 a month. Compared with all of Jefferson County, typical rent is 17% higher, typical household income is 9% higher, and the share of households that own their home is 13 points higher.

WhatsApp

  • Typical home value

    $604,600

    5% below the county

    12% above Colorado

    • Dakota Ridge
    • Jefferson
    • Colorado

  • Typical rent

    $2,176a month

    17% above the county

    24% above Colorado

    • Dakota Ridge
    • Jefferson
    • Colorado

  • Typical household income

    $120,822a year

    9% above the county

    27% above Colorado

    • Dakota Ridge
    • Jefferson
    • Colorado

  • Households that own their home

    84%

    13 points above the county

    17 points above Colorado

    • Dakota Ridge
    • Jefferson
    • Colorado

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

Dakota Ridge 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 Dakota Ridge 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: 37% less than in Dakota Ridge ($604,600).

  2. Nearby, in Sheridan, the typical rent is $1,622: 25% less than in Dakota Ridge ($2,176).

  3. 84% of households in Dakota Ridge own their home, against 71% in Jefferson County.

  4. The typical rent in Dakota Ridge is $2,176 a month, 17% more than in Jefferson County as a whole ($1,861).

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

The homes here

Housing in Dakota Ridge

What homes there are in Dakota Ridge, 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 Dakota Ridge, 8 in 10 homes are single-family detached houses; in Jefferson County, 6.

Year built

The typical home in Dakota Ridge was built in 1989, 9 years after the typical one in Jefferson County.

In Dakota Ridge, 82% of homes have 3 bedrooms or more, more than in Jefferson County (64%).

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

$2,387 a month

Jefferson County: $2,498 a month

Without a mortgage

$712 a month

Jefferson County: $737 a month

Owners with a mortgage

74%

Jefferson County: 71%

Owning costs about the same in Dakota Ridge as in Jefferson County: with a mortgage, $2,387 a month; without one, $712.

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 Dakota Ridge rose at about the same pace as in Jefferson County: 62% against 60%.

Rents in Dakota Ridge rose at about the same pace as in Jefferson County: 34% since 2015–2019, against 35%.

Housing prices ran ahead of income in Dakota Ridge: typical income rose 20%, against +62% for home values and +34% for rent.

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

MeasureDakota RidgeJefferson 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 2.542.362.422.53
Drive alone 67%64%65%69%
Carpool 6%6%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 24%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: 2.54 on average, against 2.36 in Jefferson County.

The car rules in Dakota Ridge: 67% 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 Dakota Ridge?

A typical home costs more than the typical income allows

We start with a typical home in Dakota Ridge, worth $604,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Dakota Ridge, which is $120,822 a year. For that payment to be 28% of income, a household would need to earn about $205,191 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 Dakota Ridge. 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 $21,161 (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

$4,788

at 7.18% · 30 years

Loan amount
$593,649
Total interest
$854,122
Paid off in
November 2056

Includes $10,210 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,819 a month

  • Tight

    $2,819 to $3,625 a month

  • Hard

    more than $3,625 a month

    Your payment · 48%

Compared with the typical household income in Dakota Ridge ($120,822 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,788
Principal & interest$4,022
Property tax$247
Home insurance$252
FHA mortgage insurance (MIP)$267

You need at least $21,161 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

Dakota Ridge and Jefferson County

Dakota Ridge 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).

Dakota Ridge's own numbers

Typical home value
$604,600
Typical monthly rent
$2,176
Typical yearly household income
$120,822
Households that own their home
84%
Effective property tax rate
0.49%

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 Dakota Ridge

A typical home in Dakota Ridge is worth $604,600: 5% below the county and 12% above Colorado. With the typical household income in Dakota Ridge ($120,822 a year), a typical home costs 5.0 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.

  • Dakota Ridge 5.0 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

Dakota Ridge 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
  • Dakota Ridge $604,600
  • Jefferson $637,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Dakota Ridge $2,176
  • Jefferson $1,861
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Dakota Ridge $120,822
  • Jefferson $110,656
  • Colorado $95,470
  • United States $80,734
See the full table
Dakota Ridge next to Jefferson County and Colorado
Measure Dakota Ridge Jefferson County Colorado U.S.
Typical home value $604,600 $637,600 $539,400 $332,700
Typical monthly rent $2,176 $1,861 $1,761 $1,413
Typical yearly household income $120,822 $110,656 $95,470 $80,734
Households that own their home 84% 71% 66% 65%
Typical yearly property tax $2,977 $3,082 $2,602 $3,119
Effective property tax rate 0.49% 0.48% 0.48% 0.94%
Renters with high rent for their income 56% 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 Dakota Ridge

For a typical $604,600 home in Dakota Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dakota Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,788a month

    Least cash to close
    Down payment
    $21,161
    Cash to close
    $39,299
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $267

  • Conventional, 5% down $4,677a month

    Down payment
    $30,230
    Cash to close
    $48,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $287

  • Conventional, 20% down, no PMI $3,775a month

    Down payment
    $120,920
    Cash to close
    $139,058
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,334a month

    Down payment
    $90,690
    Cash to close
    $108,828
    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 Dakota Ridge and for Jefferson County.

Property tax

Effective rate in Dakota Ridge

0.49%of the home’s value each year

$2,977 a year for the typical owner in Dakota Ridge.

  • Dakota Ridge 0.49%
  • 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 Dakota Ridge

Typical rent in Dakota Ridge is $2,176 a month: 17% above the county. In Dakota Ridge, 56% 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 Dakota Ridge

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

For 2 bedrooms it runs from $2,470 in 80127 to $2,590 in 80465.

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

  • 80127 $2,470$3,240
  • 80465 $2,590$3,400

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

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 shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Dakota Ridge

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

The HUD-approved agencies closest to the center of Dakota Ridge, 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 · 8 miles away

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

  • 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

  • Brothers Redevelopment, Inc.

    2250 Eaton St Ste B, Edgewater · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (303) 202-6340

Every agency in Jefferson County All counseling agencies in Colorado

Help in Spanish near Dakota Ridge

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 Dakota Ridge

HUD’s record names them for Dakota Ridge 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 Dakota Ridge, 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 Dakota Ridge.

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 Dakota Ridge

Short answers with the numbers for Dakota Ridge 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 Dakota Ridge?

The typical home value in Dakota Ridge is $604,600, 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 Dakota Ridge?

Typical rent in Dakota Ridge is $2,176 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 Dakota Ridge?

Dakota Ridge 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 Dakota Ridge?

The typical homeowner in Dakota Ridge pays $2,977 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in Jefferson County, the rate is 0.48%.

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

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).