Español

Este sitio también está en español. Leer en español

City · 170,229 residents · Larimer County, Colorado

Fort Collins , Colorado

In Fort Collins, a typical home is worth $577,900 and typical rent is $1,690 a month. Compared with all of Larimer County, typical household income is 9% lower and the share of households that own their home is 12 points lower.

WhatsApp

  • Typical home value

    $577,900

    About the same as the county

    7% above Colorado

    • Fort Collins
    • Larimer
    • Colorado

  • Typical rent

    $1,690a month

    About the same as the county

    4% below Colorado

    • Fort Collins
    • Larimer
    • Colorado

  • Typical household income

    $85,070a year

    9% below the county

    11% below Colorado

    • Fort Collins
    • Larimer
    • Colorado

  • Households that own their home

    52%

    12 points below the county

    15 points below Colorado

    • Fort Collins
    • Larimer
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$554,735
about the same as 12 months ago
Typical rent
$1,959 a month
1.7% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Fort Collins 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Fort Collins apart

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

  1. Nearby, in Wellington, the typical home value is $464,200: 20% less than in Fort Collins ($577,900).

  2. 52% of households in Fort Collins own their home, against 64% in Larimer County.

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

The homes here

Housing in Fort Collins

What homes there are in Fort Collins, 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 are the majority in Fort Collins (52%), but less so than in Larimer County (64%).

Year built

In Fort Collins, half of the homes were built before 1992; in Larimer County, before 1993.

In Fort Collins, 14% of homes have 1 bedroom or none (studios); 60% have 3 bedrooms or more, against 66% in Larimer County.

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

HUD's 2-bedroom fair market rent (FMR) for Larimer County is $1,759: about 55% of rents in Fort Collins are below it.

With a mortgage

$2,287 a month

Larimer County: $2,305 a month

Without a mortgage

$655 a month

Larimer County: $681 a month

Owners with a mortgage

68%

Larimer County: 68%

The typical cost for an owner with a mortgage in Fort Collins is $2,287 a month, near the figure in Larimer County ($2,305).

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 Fort Collins rose at about the same pace as in Larimer County: 57% against 56%.

The typical rent in Fort Collins rose 26% over the same time; in Larimer County, it rose 32%.

To compare: typical income in Fort Collins rose 29%; the home, +57%; the rent, +26%.

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

MeasureFort CollinsLarimer CountyColoradoUnited States
Rental vacancy 3.7%3.3%5.1%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 0.9%1.3%2.4%3.4%
People per household 2.252.312.422.53
Drive alone 62%66%65%69%
Carpool 6%6%8%9%
Public transit 1%1%2%3%
Walk or bike 8%5%3%3%
Work from home 22%21%21%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

In Fort Collins, the rental vacancy rate is 3.7%, about the same as in Larimer County.

More than one person per room: that is how 0.9% of households in Fort Collins live, near the figure in Larimer County (1.3%).

By size, households in Fort Collins look like those in Larimer County: 2.25 people on average.

Many here get to work on foot or by bike: 8%, more than in Larimer County (5%).

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 Fort Collins?

A typical home costs more than the typical income allows

We start with a typical home in Fort Collins, worth $577,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Fort Collins, which is $85,070 a year. For that payment to be 28% of income, a household would need to earn about $196,336 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fort Collins. 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 $20,227 (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

$4,581

at 7.18% · 30 years

Loan amount
$567,432
Total interest
$816,402
Paid off in
November 2056

Includes $9,759 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,985 a month

  • Tight

    $1,985 to $2,552 a month

  • Hard

    more than $2,552 a month

    Your payment · 65%

Compared with the typical household income in Fort Collins ($85,070 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,581
Principal & interest$3,844
Property tax$241
Home insurance$241
FHA mortgage insurance (MIP)$256

You need at least $20,227 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

Fort Collins and Larimer County

Fort Collins 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).

Fort Collins's own numbers

Typical home value
$577,900
Typical monthly rent
$1,690
Typical yearly household income
$85,070
Households that own their home
52%
Effective property tax rate
0.5%

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.

Everything about Larimer County

Buying

Buying a home in Fort Collins

A typical home in Fort Collins is worth $577,900: about the same as the county and 7% above Colorado. With the typical household income in Fort Collins ($85,070 a year), a typical home costs 6.8 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.

  • Fort Collins 6.8 years
  • Larimer 6.1 years
  • Colorado 5.6 years
  • United States 4.1 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.

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

Fort Collins 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
  • Fort Collins $577,900
  • Larimer $569,100
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Fort Collins $1,690
  • Larimer $1,716
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Fort Collins $85,070
  • Larimer $93,765
  • Colorado $95,470
  • United States $80,734
See the full table
Fort Collins next to Larimer County and Colorado
Measure Fort Collins Larimer County Colorado U.S.
Typical home value $577,900 $569,100 $539,400 $332,700
Typical monthly rent $1,690 $1,716 $1,761 $1,413
Typical yearly household income $85,070 $93,765 $95,470 $80,734
Households that own their home 52% 64% 66% 65%
Typical yearly property tax $2,875 $2,832 $2,602 $3,119
Effective property tax rate 0.5% 0.5% 0.48% 0.94%
Renters with high rent for their income 58% 55% 53% 51%

“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 Fort Collins

For a typical $577,900 home in Fort Collins, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Collins's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,581a month

    Least cash to close
    Down payment
    $20,227
    Cash to close
    $37,564
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $256

  • Conventional, 5% down $4,475a month

    Down payment
    $28,895
    Cash to close
    $46,232
    Rate
    7.18%
    Mortgage insurance
    PMI · $275

  • Conventional, 20% down, no PMI $3,614a month

    Down payment
    $115,580
    Cash to close
    $132,917
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,148a month

    Down payment
    $86,685
    Cash to close
    $104,022
    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 Fort Collins and for Larimer County.

Property tax

Effective rate in Fort Collins

0.5%of the home’s value each year

$2,875 a year for the typical owner in Fort Collins.

  • Fort Collins 0.5%
  • Larimer 0.5%
  • 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 Larimer County

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

Homes in the high-risk zone
0.9%
1,148
Of those, with NFIP insurance
18%
County Colorado U.S.
Homes in the high-risk zone 0.9% 1.1% 3.5%
Of those, with NFIP insurance 18% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fort Collins

Typical rent in Fort Collins is $1,690 a month: about the same as the county. In Fort Collins, 58% of renter households pay 30% or more of their income in rent.

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.

HUD fair market rent for all of Larimer 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 $1,551 $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 Fort Collins

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Collins has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,680 in 80524 to $1,940 in 80525.

1 of the 3 is above the fair market rent for Larimer County ($1,759).

  • 80524 $1,680$2,280
  • 80525 $1,940$2,620
  • 80526 $1,700$2,300

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

HUD lists 33 buildings with rents for lower incomes in Fort Collins. These are the largest.

  • Lakeview on the Rise 6740 S College Ave, Fort Collins 80525 180 low-income homes · 1 bd: 48 · 2 bd: 96 · 3 bd: 36 · In service since 2020 · For families
  • Bull Run Apts 820 Merganser Dr, Fort Collins 80524 176 homes, 175 low-income · 2 bd: 80 · 3 bd: 80 · 4 bd: 16 · In service since 2000
  • Dma Plaza Renovation 300 Remington St, Fort Collins 80524 124 low-income homes · Studio: 81 · 1 bd: 43 · In service since 2019 · For older adults
  • Country Ranch 2921 Timberwood Dr, Fort Collins 80528 118 homes, 117 low-income · 2 bd: 52 · 3 bd: 66 · In service since 2000
  • Woodlands Apts 1025 Wakerobin Ln, Fort Collins 80526 116 homes, 115 low-income · 1 bd: 16 · 2 bd: 64 · 3 bd: 36 · In service since 1997

See all 58 buildings in Larimer County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fort Collins

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.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Fort Collins

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

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

  • Neighbor To Neighbor

    1550 Blue Spruce Dr, Fort Collins · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (970) 484-7498

  • Oweesta Corporation

    2432 Main St, Longmont · 24 miles away

    (303) 774-8838

  • Community Resources and Housing Development Corporation

    7305 Lowell Blvd Unit 200, Westminster · 50 miles away · Spanish

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

Every agency in Larimer County All counseling agencies in Colorado

Help in Spanish near Fort Collins

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 Fort Collins

HUD’s record names them for Fort Collins or Larimer County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

3 other authorities have an office in Larimer County: see the list Source: HUD

Cities

Other cities in Larimer County

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

Everything about Larimer County Housing in Colorado

Nearby cities

The cities closest to Fort Collins, with the typical home value.

Neighboring counties

If Larimer 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 Fort Collins.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Fort Collins

Short answers with the numbers for Fort Collins 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 Fort Collins?

The typical home value in Fort Collins is $577,900, 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 Fort Collins?

Typical rent in Fort Collins is $1,690 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 Fort Collins?

Fort Collins 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 Fort Collins?

The typical homeowner in Fort Collins pays $2,875 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Larimer County, the rate is 0.5%.

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

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.

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).