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City · 7,442 residents · Eagle County, Colorado

Eagle , Colorado

In Eagle, a typical home is worth $695,100 and typical rent is $1,820 a month. Compared with all of Eagle County, the typical home value is 17% lower, typical rent is 10% lower, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $695,100

    17% below the county

    29% above Colorado

    • Eagle
    • County
    • Colorado

  • Typical rent

    $1,820a month

    10% below the county

    3% above Colorado

    • Eagle
    • County
    • Colorado

  • Typical household income

    $110,398a year

    6% above the county

    16% above Colorado

    • Eagle
    • County
    • Colorado

  • Households that own their home

    73%

    7 points above the county

    7 points above Colorado

    • Eagle
    • County
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$1,010,471
1.6% more than 12 months ago
Typical rent
$3,031 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).

Eagle is in Eagle County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Eagle County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Eagle apart

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

  1. Eagle has the 6th largest share of rent-burdened renters of the 94 cities in Colorado with more than 5,000 people (70%).

  2. Nearby, in Avon, the typical home value is $548,900: 21% less than in Eagle ($695,100).

  3. The typical home in Eagle is worth $695,100, 17% less than in Eagle County as a whole ($839,500).

  4. 73% of households in Eagle own their home, against 66% in Eagle County.

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

The homes here

Housing in Eagle

What homes there are in Eagle, 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 58% of homes here, against 36% in Eagle County.

Year built

Homes in Eagle are newer: the typical year built is 1999; in Eagle County, 1993.

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

$2,618 a month

Eagle County: $2,618 a month

Without a mortgage

$587 a month

Eagle County: $859 a month

Owners with a mortgage

79%

Eagle County: 67%

Owning costs about the same in Eagle as in Eagle County: with a mortgage, $2,618 a month; without one, $587.

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

Homes in Eagle gained value more slowly than in Eagle County: 31% since 2015–2019, against 49%.

The typical rent in Eagle rose 28% since 2015–2019, about the same as in Eagle County (27%).

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

MeasureEagleEagle CountyColoradoUnited States
Rental vacancy Unreliable estimate16.1%5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate3.9%2.4%3.4%
People per household 2.702.502.422.53
Drive alone 88%64%65%69%
Carpool Unreliable estimate13%8%9%
Public transit Unreliable estimate6%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate13%21%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.70 on average, against 2.50 in Eagle County.

To get to work, 88% of workers in Eagle drive alone; in Eagle County, 64%.

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 Eagle?

A typical home costs more than the typical income allows

We start with a typical home in Eagle, worth $695,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 60% of the typical household income in Eagle, which is $110,398 a year. For that payment to be 28% of income, a household would need to earn about $237,146 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Eagle. 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 $24,329 (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

$5,533

at 7.18% · 30 years

Loan amount
$682,509
Total interest
$981,971
Paid off in
November 2056

Includes $11,738 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,576 a month

  • Tight

    $2,576 to $3,312 a month

  • Hard

    more than $3,312 a month

    Your payment · 60%

Compared with the typical household income in Eagle ($110,398 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,533
Principal & interest$4,624
Property tax$313
Home insurance$290
FHA mortgage insurance (MIP)$307

You need at least $24,329 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

Eagle and Eagle County

Eagle is in Eagle 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).

Eagle's own numbers

Typical home value
$695,100
Typical monthly rent
$1,820
Typical yearly household income
$110,398
Households that own their home
73%
Effective property tax rate
0.54%

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

Numbers for all of Eagle County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,607
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
1.6%

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 Eagle County.

Everything about Eagle County

Buying

Buying a home in Eagle

A typical home in Eagle is worth $695,100: 17% below the county and 29% above Colorado. With the typical household income in Eagle ($110,398 a year), a typical home costs 6.3 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.

  • Eagle 6.3 years
  • County 8.1 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Eagle County

According to FHFA’s house price index, home prices in Eagle County rose 121% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) −1.3% +0.1% +2.9%
5 years (2020–2025) +65% +38% +47%
10 years (2015–2025) +121% +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

Eagle next to Eagle 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
  • Eagle $695,100
  • County $839,500
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Eagle $1,820
  • County $2,019
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Eagle $110,398
  • County $104,096
  • Colorado $95,470
  • United States $80,734
See the full table
Eagle next to Eagle County and Colorado
Measure Eagle Eagle County Colorado U.S.
Typical home value $695,100 $839,500 $539,400 $332,700
Typical monthly rent $1,820 $2,019 $1,761 $1,413
Typical yearly household income $110,398 $104,096 $95,470 $80,734
Households that own their home 73% 66% 66% 65%
Typical yearly property tax $3,768 $3,510 $2,602 $3,119
Effective property tax rate 0.54% 0.42% 0.48% 0.94%
Renters with high rent for their income 70% 65% 53% 51%

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

For a typical $695,100 home in Eagle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eagle's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,533a month

    Least cash to close
    Down payment
    $24,329
    Cash to close
    $45,182
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $307

  • Conventional, 5% down $5,406a month

    Down payment
    $34,755
    Cash to close
    $55,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $330

  • Conventional, 20% down, no PMI $4,369a month

    Down payment
    $139,020
    Cash to close
    $159,873
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,012a month

    Down payment
    $104,265
    Cash to close
    $125,118
    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 Eagle and for Eagle County.

Property tax

Effective rate in Eagle

0.54%of the home’s value each year

$3,768 a year for the typical owner in Eagle.

  • Eagle 0.54%
  • County 0.42%
  • 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 Eagle County

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

Homes in the high-risk zone
1.6%
309
Of those, with NFIP insurance
29%
County Colorado U.S.
Homes in the high-risk zone 1.6% 1.1% 3.5%
Of those, with NFIP insurance 29% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Eagle

Typical rent in Eagle is $1,820 a month: 10% below the county. In Eagle, 70% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Eagle County, by unit size. To pay the 2-bedroom one ($2,607 a month) without spending more than 30% of your income, you would need to earn $50.13 an hour working full time.

HUD fair market rent for all of Eagle 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 $1,815 $34.90 $72,600
1 bedroom $1,993 $38.33 $79,720
2 bedrooms $2,607 $50.13 $104,280
3 bedrooms $3,106 $59.73 $124,240
4 bedrooms $4,357 $83.79 $174,280

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 Eagle

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eagle is in ZIP code 81631.

For 2 bedrooms it is $2,260: $347 less than the fair market rent for Eagle County ($2,607).

  • 81631 $2,260$2,690

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

HUD lists 3 buildings with rents for lower incomes in Eagle. These are the largest.

  • Heritage Eagle Villas 405 Nogal Rd, Eagle 81631 100 low-income homes · 2 bd: 48 · 3 bd: 52 · In service since 1995
  • Seniors on Broadway 750 Broadway St, Eagle 81631 14 low-income homes · 1 bd: 12 · 2 bd: 2 · In service since 2008 · For older adults
  • Eagle Villas II 405 Nogal Rd, Eagle 81631 20 homes · In service since 1997

See all 9 buildings in Eagle County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Eagle

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.

We found no HUD-approved agencies with an office in Eagle County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Eagle

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

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

  • Brothers Redevelopment, Inc.

    2250 Eaton St Ste B, Edgewater · 94 miles away · Spanish

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

  • Southwest Improvement Council

    5045 W 1st Ave, Denver · 94 miles away

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

  • Denver Housing Authority

    3550 W 13th Ave, Denver · 95 miles away

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

All counseling agencies in Colorado

Help in Spanish near Eagle

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 Eagle

HUD lists no housing authority with an office in Eagle 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 Eagle County

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

Everything about Eagle County Housing in Colorado

Nearby cities

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

Neighboring counties

If Eagle 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 Eagle.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Eagle

Short answers with the numbers for Eagle and all of Eagle 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 Eagle?

The typical home value in Eagle is $695,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Eagle County it is $839,500.

How much does it cost to rent in Eagle?

Typical rent in Eagle is $1,820 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Eagle County is $2,607.

What is the FHA loan limit in Eagle?

Eagle uses the FHA limit for all of Eagle County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Eagle?

The typical homeowner in Eagle pays $3,768 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in Eagle County, the rate is 0.42%.

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

We found no HUD-approved counseling agencies with an office in Eagle County; the nearest ones are on this page. 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).