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City · 9,902 residents · Jefferson County, Colorado

Fairmount , Colorado

In Fairmount, a typical home is worth $827,600 and typical rent is $2,679 a month. Compared with all of Jefferson County, typical household income is 48% higher, typical rent is 44% higher, and the share of households that own their home is 21 points higher.

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  • Typical home value

    $827,600

    30% above the county

    53% above Colorado

    • Fairmount
    • Jefferson
    • Colorado

  • Typical rent

    $2,679a month

    44% above the county

    52% above Colorado

    • Fairmount
    • Jefferson
    • Colorado

  • Typical household income

    $163,600a year

    48% above the county

    71% above Colorado

    • Fairmount
    • Jefferson
    • Colorado

  • Households that own their home

    92%

    21 points above the county

    25 points above Colorado

    • Fairmount
    • Jefferson
    • Colorado

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

Fairmount 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 Fairmount apart

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

  1. Fairmount has the 4th highest typical rent of the 109 cities in Colorado with more than 5,000 people ($2,679).

  2. 92% of households in Fairmount own their home, against 71% in Jefferson County.

  3. The typical household income in Fairmount is $163,600, 48% more than in Jefferson County as a whole ($110,656).

  4. Nearby, in Wheat Ridge, the typical rent is $1,579: 41% less than in Fairmount ($2,679).

  5. Nearby, in West Pleasant View, the typical home value is $489,400: 41% less than in Fairmount ($827,600).

  6. The typical home in Fairmount is worth $827,600, 30% more than in Jefferson County as a whole ($637,600).

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

The homes here

Housing in Fairmount

What homes there are in Fairmount, 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 98% of homes here, against 64% in Jefferson County.

Year built

Homes in Fairmount are bigger: 91% have 3 bedrooms or more; 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

$2,801 a month

Jefferson County: $2,498 a month

Without a mortgage

$853 a month

Jefferson County: $737 a month

Owners with a mortgage

69%

Jefferson County: 71%

The typical cost for an owner with a mortgage in Fairmount is $2,801 a month, more than in Jefferson County ($2,498); without one, $853.

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 Fairmount rose at about the same pace as in Jefferson County: 60% against 60%.

Rents in Fairmount rose faster than in Jefferson County: 82% since 2015–2019, against 35%.

Housing prices ran ahead of income in Fairmount: typical income rose 47%, against +60% for home values and +82% 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

MeasureFairmountJefferson 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 2.672.362.422.53
Drive alone 63%64%65%69%
Carpool 5%6%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 29%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: 2.67 on average, against 2.36 in Jefferson County.

In Fairmount, 29% of workers work from home, more than in Jefferson County (25%).

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 Fairmount?

A typical home costs more than the typical income allows

We start with a typical home in Fairmount, worth $827,600, 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 Fairmount, which is $163,600 a year. For that payment to be 28% of income, a household would need to earn about $281,465 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 Fairmount. 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 $28,966 (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

$6,568

at 7.18% · 30 years

Loan amount
$812,610
Total interest
$1,169,155
Paid off in
November 2056

Includes $13,976 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,817 a month

  • Tight

    $3,817 to $4,908 a month

  • Hard

    more than $4,908 a month

    Your payment · 48%

Compared with the typical household income in Fairmount ($163,600 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,568
Principal & interest$5,505
Property tax$352
Home insurance$345
FHA mortgage insurance (MIP)$366

You need at least $28,966 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

Fairmount and Jefferson County

Fairmount 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).

Fairmount's own numbers

Typical home value
$827,600
Typical monthly rent
$2,679
Typical yearly household income
$163,600
Households that own their home
92%
Effective property tax rate
0.51%

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 Fairmount

A typical home in Fairmount is worth $827,600: 30% above the county and 53% above Colorado. With the typical household income in Fairmount ($163,600 a year), a typical home costs 5.1 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.

  • Fairmount 5.1 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

Fairmount 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
  • Fairmount $827,600
  • Jefferson $637,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Fairmount $2,679
  • Jefferson $1,861
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Fairmount $163,600
  • Jefferson $110,656
  • Colorado $95,470
  • United States $80,734
See the full table
Fairmount next to Jefferson County and Colorado
Measure Fairmount Jefferson County Colorado U.S.
Typical home value $827,600 $637,600 $539,400 $332,700
Typical monthly rent $2,679 $1,861 $1,761 $1,413
Typical yearly household income $163,600 $110,656 $95,470 $80,734
Households that own their home 92% 71% 66% 65%
Typical yearly property tax $4,257 $3,082 $2,602 $3,119
Effective property tax rate 0.51% 0.48% 0.48% 0.94%

“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 Fairmount

For a typical $827,600 home in Fairmount, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fairmount's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,568a month

    Least cash to close
    Down payment
    $28,966
    Cash to close
    $53,794
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $366

  • Conventional, 5% down $6,416a month

    Down payment
    $41,380
    Cash to close
    $66,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $393

  • Conventional, 20% down, no PMI $5,182a month

    Down payment
    $165,520
    Cash to close
    $190,348
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,947a month

    Down payment
    $124,140
    Cash to close
    $148,968
    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 Fairmount and for Jefferson County.

Property tax

Effective rate in Fairmount

0.51%of the home’s value each year

$4,257 a year for the typical owner in Fairmount.

  • Fairmount 0.51%
  • 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 Fairmount

Typical rent in Fairmount is $2,679 a month: 44% above the county.

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 Fairmount

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

For 2 bedrooms it runs from $1,990 in 80002 to $2,460 in 80403.

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

  • 80002 $1,990$2,610
  • 80403 $2,460$3,230

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

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Fairmount

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

The HUD-approved agencies closest to the center of Fairmount, 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 · 7 miles away · Spanish

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

  • Community Resources and Housing Development Corporation

    7305 Lowell Blvd Unit 200, Westminster · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (303) 428-1448

  • 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

Every agency in Jefferson County All counseling agencies in Colorado

Help in Spanish near Fairmount

2 of the 3 agencies on this list say they serve 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 Fairmount

HUD’s record names them for Fairmount 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 Fairmount, 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 Fairmount.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Fairmount

Short answers with the numbers for Fairmount 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 Fairmount?

The typical home value in Fairmount is $827,600, 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 Fairmount?

Typical rent in Fairmount is $2,679 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 Fairmount?

Fairmount 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 Fairmount?

The typical homeowner in Fairmount pays $4,257 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Jefferson County, the rate is 0.48%.

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

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).