In Eaton, a typical home is worth $475,900 and typical rent is $1,707 a month. Compared with all of Weld County, typical rent is 11% higher, typical household income is 9% higher, and the share of households that own their home is 19 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $427,578 to $462,947.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Eaton is in Weld County. The FHA loan limit ($575,000 for a one-unit home), the fair market rents and the help on this page are those of all of Weld County. See the county
What this place has that others do not, from public data, most unusual first.
1
95% of households in Eaton own their home, against 76% in Weld County.
2
Nearby, in Evans, the typical home value is $351,000: 26% less than in Eaton ($475,900).
3
Nearby, in Greeley, the typical rent is $1,388: 19% less than in Eaton ($1,707).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Eaton
What homes there are in Eaton, 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
Eaton
Weld County
Colorado
United States
Kind of home: Eaton and its comparisons
Measure
Eaton
Weld County
Colorado
United States
Detached house
89%
73%
61%
61%
Attached house
Unreliable estimate
5%
8%
6%
Building of 2 to 4
Unreliable estimate
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
11%
23%
19%
Mobile home
Unreliable estimate
6%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Eaton: 89% of homes, more than in Weld County (73%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Eaton
Weld County
Colorado
United States
Year built: Eaton and its comparisons
Measure
Eaton
Weld County
Colorado
United States
Before 1960
17%
12%
16%
26%
1960–1979
7%
18%
24%
24%
1980–1999
19%
19%
28%
25%
2000–2009
26%
25%
17%
14%
2010 or later
31%
27%
16%
11%
By age, homes in Eaton look like those in Weld County: the typical year built is 2003.
Homes in Eaton are bigger: 81% have 3 bedrooms or more; in Weld County, 75%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K50%
$500K–$750K34%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Eaton and its comparisons
Measure
Eaton
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
50%
$500K–$750K
34%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Eaton and its comparisons
Measure
Eaton
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$2,393 a month
Weld County: $2,276 a month
Without a mortgage
$566 a month
Weld County: $645 a month
Owners with a mortgage
70%
Weld County: 74%
In Eaton, 70% of owners have a mortgage, and their typical cost is $2,393 a month, against $2,276 in Weld County. Without one it drops to $566.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Eaton+66%
Weld County+58%
Colorado+57%
United States+53%
Typical rent
EatonUnreliable
Weld County+42%
Colorado+39%
United States+33%
Typical household income
Eaton+31%
Weld County+31%
Colorado+32%
United States+29%
Change since 2015–2019: Eaton and its comparisons
Measure
Eaton
Weld County
Colorado
United States
Typical home value
+66%
+58%
+57%
+53%
Typical rent
Unreliable estimate
+42%
+39%
+33%
Typical household income
+31%
+31%
+32%
+29%
The typical home value in Eaton rose 66% since 2015–2019, more than in Weld County (58%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Eaton and its comparisons
Measure
Eaton
Weld County
Colorado
United States
Rental vacancy
Unreliable estimate
6.1%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
Unreliable estimate
3.0%
2.4%
3.4%
People per household
2.72
2.78
2.42
2.53
Drive alone
81%
72%
65%
69%
Carpool
Unreliable estimate
10%
8%
9%
Public transit
Unreliable estimate
0%
2%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
Unreliable estimate
14%
21%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Eaton has 2.72 people on average, about the same as in Weld County (2.78).
To get to work, 81% of workers in Eaton drive alone; in Weld County, 72%.
Do the math
What would you pay each month for a home in Eaton?
A typical home costs more than the typical income allows
We start with a typical home in Eaton, worth $475,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Eaton, which is $106,294 a year. For that payment to be 28% of income, a household would need to earn about $160,323 a year.
The calculator's FHA and conventional loan limits are those of all of Weld 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 Eaton. 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 $16,657 (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
$3,741
at 7.18% · 30 years
Loan amount
$467,280
Total interest
$672,306
Paid off in
November 2056
Includes $8,037 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,480 a month
Tight
$2,480 to $3,189 a month
Hard
more than $3,189 a month
Your payment · 42%
Compared with the typical household income in Eaton ($106,294 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,166
Property tax
$167
Home insurance
$198
FHA mortgage insurance (MIP)
$210
You need at least $16,657 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 $3,741; principal and interest $3,166.
The city and its county
Eaton and Weld County
Eaton is in Weld 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).
Eaton
Map of Weld County, Colorado, with Eaton marked. Around it, the neighboring counties.
Eaton
Weld County
Other cities with a page
Eaton's own numbers
Typical home value
$475,900
Typical monthly rent
$1,707
Typical yearly household income
$106,294
Households that own their home
95%
Effective property tax rate
0.42%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Weld County
FHA limit, one-unit home
$575,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,647
Price change over 5 years (FHFA)
+37%
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 Weld County.
A typical home in Eaton is worth $475,900: about the same as the county and 12% below Colorado. With the typical household income in Eaton ($106,294 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.
Eaton4.5 years
Weld4.9 years
Colorado5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Weld County
According to FHFA’s house price index, home prices in Weld County rose 99% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Weld County.
Yearly change in FHFA’s price index in Weld County, 2016 to 2025
2016: +11.5% +11.5% 2016
2017: +10.1% +10.1% 2017
2018: +9.4% +9.4% 2018
2019: +5.7% +5.7% 2019
2020: +2.4% +2.4% 2020
2021: +11.9% +11.9% 2021
2022: +15.6% +15.6% 2022
2023: +2.9% +2.9% 2023
2024: +2.0% +2.0% 2024
2025: +0.7% +0.7% 2025
Change in FHFA’s price index in Weld County, Colorado and the United States
Period
County
Colorado
U.S.
Last year (2025)
+0.7%
+0.1%
+2.9%
5 years (2020–2025)
+37%
+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
Eaton next to Weld 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
Eaton$475,900
Weld$471,700
Colorado$539,400
United States$332,700
Typical monthly rent
Eaton$1,707
Weld$1,539
Colorado$1,761
United States$1,413
Typical yearly household income
Eaton$106,294
Weld$97,097
Colorado$95,470
United States$80,734
See the full table
Eaton next to Weld County and Colorado
Measure
Eaton
Weld County
Colorado
U.S.
Typical home value
$475,900
$471,700
$539,400
$332,700
Typical monthly rent
$1,707 ▲11% above the county
$1,539
$1,761
$1,413
Typical yearly household income
$106,294 ▲9% above the county
$97,097
$95,470
$80,734
Households that own their home
95% ▲19 points above the county
76%
66%
65%
Typical yearly property tax
$2,015 ▼17% below the county
$2,440
$2,602
$3,119
Effective property tax rate
0.42% ▼0.1 points below the county
0.52%
0.48%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Weld 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 Eaton
For a typical $475,900 home in Eaton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eaton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,741a month
Least cash to close
Down payment
$16,657
Cash to close
$30,934
Rate
7.18%
Mortgage insurance
FHA MIP · $210
Conventional, 5% down$3,654a month
Down payment
$23,795
Cash to close
$38,072
Rate
7.18%
Mortgage insurance
PMI · $226
Conventional, 20% down, no PMI$2,944a month
Down payment
$95,180
Cash to close
$109,457
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,384a month
Down payment
$71,385
Cash to close
$85,662
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Eaton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,741
$16,657
$467,280
7.18%
FHA MIP · $210
$30,934
580
Conventional, 5% down
$3,654
$23,795
$452,105
7.18%
PMI · $226
$38,072
620*
Conventional, 20% down, no PMI
$2,944
$95,180
$380,720
7.18%
None
$109,457
620*
ITIN, 15% down (example)
$3,384
$71,385
$404,515
8.18%
None
$85,662
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 Eaton is $1,707 a month: 11% above the county.
HUD publishes a fair market rent for all of Weld County, by unit size. To pay the 2-bedroom one ($1,647 a month) without spending more than 30% of your income, you would need to earn $31.67 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 Weld County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,240
$23.85
$49,600
1 bedroom
$1,307
$25.13
$52,280
2 bedrooms
$1,647
$31.67
$65,880
3 bedrooms
$2,281
$43.87
$91,240
4 bedrooms
$2,753
$52.94
$110,120
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 Eaton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eaton is in ZIP code 80615.
For 2 bedrooms it is $1,660: $13 more than the fair market rent for Weld County ($1,647).
Fair market rent by ZIP code and size in Eaton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
80615
$1,250
$1,320
$1,660
$2,300
$2,770
ZIP code2 bd3 bd
80615 $1,660$2,300
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Eaton 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)
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 Weld County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Eaton or Weld County. The ones below are statewide in Colorado: they work in Eaton 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).
No legal help resource on our list is for Eaton or Weld 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 Eaton and all of Weld 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 Eaton?
The typical home value in Eaton is $475,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Weld County it is $471,700.
How much does it cost to rent in Eaton?
Typical rent in Eaton is $1,707 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Weld County is $1,647.
What is the FHA loan limit in Eaton?
Eaton uses the FHA limit for all of Weld County (2026): $575,000 for a one-unit home and $1,105,800 for a four-unit home.
How much property tax do owners pay in Eaton?
The typical homeowner in Eaton pays $2,015 a year, according to the U.S. Census Bureau. That is 0.42% of the home’s value; in Weld County, the rate is 0.52%.
Where can I find free help to buy or rent in Eaton?
We found no HUD-approved counseling agencies with an office in Weld County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
