In Estes Park, a typical home is worth $664,200 and typical rent is $1,511 a month. Compared with all of Larimer County, the typical home value is 17% higher and typical rent is 12% lower.
Typical home value from Zillow, September 2021 to September 2026: from $607,306 to $682,523.
Typical rent
$2,383a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Estes Park is in Larimer County. The FHA loan limit ($634,800 for a one-unit home), the fair market rents and the help on this page are those of all of Larimer County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Loveland, the typical home value is $479,000: 28% less than in Estes Park ($664,200).
2
The typical home in Estes Park is worth $664,200,17% more than in Larimer County as a whole ($569,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Estes Park
What homes there are in Estes Park, 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
Estes Park
Larimer County
Colorado
United States
Kind of home: Estes Park and its comparisons
Measure
Estes Park
Larimer County
Colorado
United States
Detached house
62%
64%
61%
61%
Attached house
19%
8%
8%
6%
Building of 2 to 4
9%
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
19%
23%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Estes Park, 6 in 10 homes are single-family detached houses, about the same as in Larimer County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Estes Park
Larimer County
Colorado
United States
Year built: Estes Park and its comparisons
Measure
Estes Park
Larimer County
Colorado
United States
Before 1960
15%
10%
16%
26%
1960–1979
17%
22%
24%
24%
1980–1999
33%
30%
28%
25%
2000–2009
27%
18%
17%
14%
2010 or later
8%
20%
16%
11%
The typical year built in Estes Park is 1991, about the same as in Larimer County (1993).
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–$500K25%
$500K–$750K32%
$750K–$1M23%
$1M or more16%
Value of owner-occupied homes: Estes Park and its comparisons
Measure
Estes Park
Under $100K
Unreliable estimate
$100K–$200K
Unreliable
$200K–$300K
Unreliable estimate
$300K–$500K
25%
$500K–$750K
32%
$750K–$1M
23%
$1M or more
16%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49934%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Estes Park and its comparisons
Measure
Estes Park
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
34%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,931 a month
Larimer County: $2,305 a month
Without a mortgage
$742 a month
Larimer County: $681 a month
Owners with a mortgage
65%
Larimer County: 68%
Owning costs less in Estes Park: with a mortgage, the typical cost is $1,931 a month; in Larimer County, $2,305. Without one, $742.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Estes Park+61%
Larimer County+56%
Colorado+57%
United States+53%
Typical rent
Estes Park+81%
Larimer County+32%
Colorado+39%
United States+33%
Typical household income
Estes Park+56%
Larimer County+30%
Colorado+32%
United States+29%
Change since 2015–2019: Estes Park and its comparisons
Measure
Estes Park
Larimer County
Colorado
United States
Typical home value
+61%
+56%
+57%
+53%
Typical rent
+81%
+32%
+39%
+33%
Typical household income
+56%
+30%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Estes Park rose 61%; in Larimer County, it rose 56%.
Rents in Estes Park rose faster than in Larimer County: 81% since 2015–2019, against 32%.
Housing prices ran ahead of income in Estes Park: typical income rose 56%, against +61% for home values and +81% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Estes Park and its comparisons
Measure
Estes Park
Larimer County
Colorado
United States
Rental vacancy
Unreliable estimate
3.3%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.3%
2.4%
3.4%
People per household
1.99
2.31
2.42
2.53
Drive alone
77%
66%
65%
69%
Carpool
Unreliable estimate
6%
8%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
Unreliable estimate
5%
3%
3%
Work from home
15%
21%
21%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.99 on average, against 2.31 in Larimer County.
In Estes Park, 77% of workers drive alone to work; in Larimer County, 66%.
Do the math
What would you pay each month for a home in Estes Park?
A typical home costs more than the typical income allows
We start with a typical home in Estes Park, worth $664,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 73% of the typical household income in Estes Park, which is $85,956 a year. For that payment to be 28% of income, a household would need to earn about $222,809 a year. Note: at that price the loan is above the FHA limit for Larimer County ($634,800), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Larimer 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 Estes Park. 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 $23,247 (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
$5,199
at 7.18% · 30 years
Loan amount
$652,170
Total interest
$938,319
Paid off in
November 2056
Includes $11,217 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,006 a month
Tight
$2,006 to $2,579 a month
Hard
more than $2,579 a month
Your payment · 73%
Compared with the typical household income in Estes Park ($85,956 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,418
Property tax
$210
Home insurance
$277
FHA mortgage insurance (MIP)
$294
This loan is over the FHA limit
You'd borrow $640,953, but the FHA limit for a one-unit home in Estes Park is $634,800. You'd need a bigger down payment or a different loan.
You need at least $23,247 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 $5,199; principal and interest $4,418.
The city and its county
Estes Park and Larimer County
Estes Park is in Larimer 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).
Estes Park
Map of Larimer County, Colorado, with Estes Park marked. Around it, the neighboring counties.
Estes Park
Larimer County
Other cities with a page
Estes Park's own numbers
Typical home value
$664,200
Typical monthly rent
$1,511
Typical yearly household income
$85,956
Households that own their home
69%
Effective property tax rate
0.38%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Larimer County
FHA limit, one-unit home
$634,800
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,759
Price change over 5 years (FHFA)
+40%
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 Larimer County.
A typical home in Estes Park is worth $664,200: 17% above the county and 23% above Colorado. With the typical household income in Estes Park ($85,956 a year), a typical home costs 7.7 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.
Estes Park7.7 years
Larimer6.1 years
Colorado5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Larimer County
According to FHFA’s house price index, home prices in Larimer County rose 94% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Larimer County.
Yearly change in FHFA’s price index in Larimer County, 2016 to 2025
2016: +11.3% +11.3% 2016
2017: +9.6% +9.6% 2017
2018: +7.1% +7.1% 2018
2019: +4.3% +4.3% 2019
2020: +1.7% +1.7% 2020
2021: +10.5% +10.5% 2021
2022: +17.7% +17.7% 2022
2023: +3.8% +3.8% 2023
2024: +3.3% +3.3% 2024
2025: +0.3% +0.3% 2025
Change in FHFA’s price index in Larimer County, Colorado and the United States
Period
County
Colorado
U.S.
Last year (2025)
+0.3%
+0.1%
+2.9%
5 years (2020–2025)
+40%
+38%
+47%
10 years (2015–2025)
+94%
+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
Estes Park next to Larimer 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
Estes Park$664,200
Larimer$569,100
Colorado$539,400
United States$332,700
Typical monthly rent
Estes Park$1,511
Larimer$1,716
Colorado$1,761
United States$1,413
Typical yearly household income
Estes Park$85,956
Larimer$93,765
Colorado$95,470
United States$80,734
See the full table
Estes Park next to Larimer County and Colorado
Measure
Estes Park
Larimer County
Colorado
U.S.
Typical home value
$664,200 ▲17% above the county
$569,100
$539,400
$332,700
Typical monthly rent
$1,511 ▼12% below the county
$1,716
$1,761
$1,413
Typical yearly household income
$85,956 ▼8% below the county
$93,765
$95,470
$80,734
Households that own their home
69% ▲5 points above the county
64%
66%
65%
Typical yearly property tax
$2,546 ▼10% below the county
$2,832
$2,602
$3,119
Effective property tax rate
0.38% ▼0.12 points below the county
0.5%
0.48%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Larimer 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 Estes Park
For a typical $664,200 home in Estes Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Estes Park's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,199a month
Above the FHA limit for Larimer County ($634,800)
Down payment
$23,247
Cash to close
$43,173
Rate
7.18%
Mortgage insurance
FHA MIP · $294
Conventional, 5% down$5,077a month
Least cash to close
Down payment
$33,210
Cash to close
$53,136
Rate
7.18%
Mortgage insurance
PMI · $315
Conventional, 20% down, no PMI$4,087a month
Down payment
$132,840
Cash to close
$152,766
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,701a month
Down payment
$99,630
Cash to close
$119,556
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Estes Park
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Larimer County ($634,800)
$5,199
$23,247
$652,170
7.18%
FHA MIP · $294
$43,173
580
Conventional, 5% down Least cash to close
$5,077
$33,210
$630,990
7.18%
PMI · $315
$53,136
620*
Conventional, 20% down, no PMI
$4,087
$132,840
$531,360
7.18%
None
$152,766
620*
ITIN, 15% down (example)
$4,701
$99,630
$564,570
8.18%
None
$119,556
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Estes Park is $1,511 a month: 12% below the county.
HUD publishes a fair market rent for all of Larimer County, by unit size. To pay the 2-bedroom one ($1,759 a month) without spending more than 30% of your income, you would need to earn $33.83 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 Larimer County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,551
$29.83
$62,040
1 bedroom
$1,589
$30.56
$63,560
2 bedrooms
$1,759
$33.83
$70,360
3 bedrooms
$2,379
$45.75
$95,160
4 bedrooms
$2,576
$49.54
$103,040
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 Estes Park
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Estes Park is in ZIP code 80517.
For 2 bedrooms it is $1,560: $199 less than the fair market rent for Larimer County ($1,759).
Fair market rent by ZIP code and size in Estes Park, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
80517
$1,360
$1,390
$1,560
$2,150
$2,290
ZIP code2 bd3 bd
80517 $1,560$2,150
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Estes Park 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.
There is 1 HUD-approved agency with an office in Larimer County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Estes Park or Larimer County. The ones below are statewide in Colorado: they work in Estes Park 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 Estes Park or Larimer 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 Estes Park and all of Larimer 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 Estes Park?
The typical home value in Estes Park is $664,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Larimer County it is $569,100.
How much does it cost to rent in Estes Park?
Typical rent in Estes Park is $1,511 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Larimer County is $1,759.
What is the FHA loan limit in Estes Park?
Estes Park uses the FHA limit for all of Larimer County (2026): $634,800 for a one-unit home and $1,220,800 for a four-unit home.
How much property tax do owners pay in Estes Park?
The typical homeowner in Estes Park pays $2,546 a year, according to the U.S. Census Bureau. That is 0.38% of the home’s value; in Larimer County, the rate is 0.5%.
Where can I find free help to buy or rent in Estes Park?
There is 1 HUD-approved counseling agency with an office in Larimer County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
