In Federal Heights, a typical home is worth $95,300 and typical rent is $1,687 a month. Compared with all of Adams County, the typical home value is 80% lower, typical household income is 40% lower, and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $390,756 to $382,020.
Typical rent
$1,508a month
▲ 5.3% more than 12 months ago
Typical rent from Zillow, December 2022 to September 2026: from $1,518 to $1,508.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Federal Heights is in Adams 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 Adams County. See the county
What this place has that others do not, from public data, most unusual first.
1
Federal Heights has the lowest typical home value of the 110 cities in Colorado with more than 5,000 people: $95,300.
2
The typical household income in Federal Heights is $56,597,40% less than in Adams County as a whole ($94,571).
3
59% of households in Federal Heights own their home, against 69% in Adams County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Federal Heights
What homes there are in Federal Heights, 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
Federal Heights
Adams County
Colorado
United States
Kind of home: Federal Heights and its comparisons
Measure
Federal Heights
Adams County
Colorado
United States
Detached house
19%
62%
61%
61%
Attached house
Unreliable estimate
9%
8%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
20%
23%
19%
Mobile home
47%
5%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Federal Heights; the largest group, mobile homes, adds up to 47%, against 5% in Adams County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Federal Heights
Adams County
Colorado
United States
Year built: Federal Heights and its comparisons
Measure
Federal Heights
Adams County
Colorado
United States
Before 1960
Unreliable estimate
13%
16%
26%
1960–1979
29%
23%
24%
24%
1980–1999
36%
26%
28%
25%
2000–2009
18%
21%
17%
14%
2010 or later
13%
17%
16%
11%
In Federal Heights, half of the homes were built before 1989; in Adams County, before 1991.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K52%
$100K–$200K12%
$200K–$300KUnreliable
$300K–$500K24%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Federal Heights and its comparisons
Measure
Federal Heights
Under $100K
52%
$100K–$200K
12%
$200K–$300K
Unreliable estimate
$300K–$500K
24%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49930%
$1,500–$1,99950%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Federal Heights and its comparisons
Measure
Federal Heights
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
30%
$1,500–$1,999
50%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,992 a month
Adams County: $2,378 a month
Without a mortgage
$997 a month
Adams County: $682 a month
Owners with a mortgage
36%
Adams County: 72%
Owning costs less in Federal Heights: with a mortgage, the typical cost is $1,992 a month; in Adams County, $2,378. Without one, $997.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Federal Heights+48%
Adams County+57%
Colorado+57%
United States+53%
Typical rent
Federal Heights+40%
Adams County+32%
Colorado+39%
United States+33%
Typical household income
Federal Heights+25%
Adams County+33%
Colorado+32%
United States+29%
Change since 2015–2019: Federal Heights and its comparisons
Measure
Federal Heights
Adams County
Colorado
United States
Typical home value
+48%
+57%
+57%
+53%
Typical rent
+40%
+32%
+39%
+33%
Typical household income
+25%
+33%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Federal Heights rose 48%; in Adams County, it rose 57%.
Since 2015–2019, the typical rent in Federal Heights rose 40%, more than in Adams County (32%).
Housing prices ran ahead of income in Federal Heights: typical income rose 25%, against +48% for home values and +40% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Federal Heights and its comparisons
Measure
Federal Heights
Adams County
Colorado
United States
Rental vacancy
Unreliable estimate
3.5%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
4.2%
2.4%
3.4%
People per household
2.69
2.79
2.42
2.53
Drive alone
69%
70%
65%
69%
Carpool
19%
10%
8%
9%
Public transit
Unreliable estimate
2%
2%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
Unreliable estimate
15%
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
Much as in Adams County, a household in Federal Heights has 2.69 people on average.
Carpooling is common in Federal Heights: 19% of workers get to work that way, against 10% in Adams County.
Do the math
What would you pay each month for a home in Federal Heights?
A typical home is within reach of the typical income
We start with a typical home in Federal Heights, worth $95,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 16% of the typical household income in Federal Heights, which is $56,597 a year.
The calculator's FHA and conventional loan limits are those of all of Adams 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 Federal Heights. 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 $3,336 (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
$758
at 7.18% · 30 years
Loan amount
$93,573
Total interest
$134,630
Paid off in
November 2056
Includes $1,609 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,321 a month
Your payment · 16%
Tight
$1,321 to $1,698 a month
Hard
more than $1,698 a month
Compared with the typical household income in Federal Heights ($56,597 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$634
Property tax
$42
Home insurance
$40
FHA mortgage insurance (MIP)
$42
You need at least $3,336 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 $758; principal and interest $634.
The city and its county
Federal Heights and Adams County
Federal Heights is in Adams 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).
Federal Heights
Map of Adams County, Colorado, with Federal Heights marked. Around it, the neighboring counties.
Federal Heights
Adams County
Other cities with a page
Federal Heights's own numbers
Typical home value
$95,300
Typical monthly rent
$1,687
Typical yearly household income
$56,597
Households that own their home
59%
Effective property tax rate
0.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Adams 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)
+35%
Homes in a high flood-risk zone
0.3%
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 Adams County.
A typical home in Federal Heights is worth $95,300: 80% below the county and 82% below Colorado. With the typical household income in Federal Heights ($56,597 a year), a typical home costs 1.7 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.
Federal Heights1.7 years
Adams5.1 years
Colorado5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Adams County
According to FHFA’s house price index, home prices in Adams County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Adams County.
Yearly change in FHFA’s price index in Adams County, 2016 to 2025
2016: +13.5% +13.5% 2016
2017: +10.8% +10.8% 2017
2018: +9.4% +9.4% 2018
2019: +4.8% +4.8% 2019
2020: +3.1% +3.1% 2020
2021: +14.5% +14.5% 2021
2022: +16.0% +16.0% 2022
2023: +0.7% +0.7% 2023
2024: +2.0% +2.0% 2024
2025: −1.1% −1.1% 2025
Change in FHFA’s price index in Adams County, Colorado and the United States
Period
County
Colorado
U.S.
Last year (2025)
−1.1%
+0.1%
+2.9%
5 years (2020–2025)
+35%
+38%
+47%
10 years (2015–2025)
+101%
+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
Federal Heights next to Adams 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
Federal Heights$95,300
Adams$484,200
Colorado$539,400
United States$332,700
Typical monthly rent
Federal Heights$1,687
Adams$1,781
Colorado$1,761
United States$1,413
Typical yearly household income
Federal Heights$56,597
Adams$94,571
Colorado$95,470
United States$80,734
See the full table
Federal Heights next to Adams County and Colorado
Measure
Federal Heights
Adams County
Colorado
U.S.
Typical home value
$95,300 ▼80% below the county
$484,200
$539,400
$332,700
Typical monthly rent
$1,687 ▼5% below the county
$1,781
$1,761
$1,413
Typical yearly household income
$56,597 ▼40% below the county
$94,571
$95,470
$80,734
Households that own their home
59% ▼9 points below the county
69%
66%
65%
Typical yearly property tax
$509 ▼83% below the county
$2,962
$2,602
$3,119
Effective property tax rate
0.53% ▼0.08 points below the county
0.61%
0.48%
0.94%
Renters with high rent for their income
67% ▲10 points above the county
57%
53%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Adams 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 Federal Heights
For a typical $95,300 home in Federal Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Federal Heights's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$758a month
Least cash to close
Down payment
$3,336
Cash to close
$6,195
Rate
7.18%
Mortgage insurance
FHA MIP · $42
Conventional, 5% down$740a month
Down payment
$4,765
Cash to close
$7,624
Rate
7.18%
Mortgage insurance
PMI · $45
Conventional, 20% down, no PMI$598a month
Down payment
$19,060
Cash to close
$21,919
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$686a month
Down payment
$14,295
Cash to close
$17,154
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Federal Heights
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$758
$3,336
$93,574
7.18%
FHA MIP · $42
$6,195
580
Conventional, 5% down
$740
$4,765
$90,535
7.18%
PMI · $45
$7,624
620*
Conventional, 20% down, no PMI
$598
$19,060
$76,240
7.18%
None
$21,919
620*
ITIN, 15% down (example)
$686
$14,295
$81,005
8.18%
None
$17,154
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 Federal Heights is $1,687 a month: 5% below the county. In Federal Heights, 67% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Adams 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Adams County (Fiscal year 2027)
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 Federal Heights
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Federal Heights is in ZIP code 80260.
For 2 bedrooms it is $1,890: $279 less than the fair market rent for Adams County ($2,169).
Fair market rent by ZIP code and size in Federal Heights, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
80260
$1,490
$1,580
$1,890
$2,470
$2,750
ZIP code2 bd3 bd
80260 $1,890$2,470
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Federal Heights 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 are 2 HUD-approved agencies with an office in Adams County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Federal Heights or Adams County. The ones below are statewide in Colorado: they work in Federal Heights 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).
The HUD-approved agencies closest to the center of Federal Heights, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CR
Community Resources and Housing Development Corporation
7305 Lowell Blvd Unit 200, Westminster · 3 miles away · Spanish
No legal help resource on our list is for Federal Heights or Adams 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 Federal Heights and all of Adams 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 Federal Heights?
The typical home value in Federal Heights is $95,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Adams County it is $484,200.
How much does it cost to rent in Federal Heights?
Typical rent in Federal Heights is $1,687 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Adams County is $2,169.
What is the FHA loan limit in Federal Heights?
Federal Heights uses the FHA limit for all of Adams 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 Federal Heights?
The typical homeowner in Federal Heights pays $509 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Adams County, the rate is 0.61%.
Where can I find free help to buy or rent in Federal Heights?
There are 2 HUD-approved counseling agencies with an office in Adams County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
