In Fort Lupton, a typical home is worth $416,000 and typical rent is $1,251 a month. Compared with all of Weld County, typical rent is 19% lower, typical household income is 17% 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 $423,751 to $458,916.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fort Lupton 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
The typical rent in Fort Lupton is $1,251 a month, 19% less than in Weld County as a whole ($1,539).
2
The typical household income in Fort Lupton is $80,889,17% less than in Weld County as a whole ($97,097).
3
67% of households in Fort Lupton own their home, against 76% in Weld County.
4
13% of households in Fort Lupton have no internet at home (5% in Weld County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fort Lupton
What homes there are in Fort Lupton, 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
Fort Lupton
Weld County
Colorado
United States
Kind of home: Fort Lupton and its comparisons
Measure
Fort Lupton
Weld County
Colorado
United States
Detached house
77%
73%
61%
61%
Attached house
6%
5%
8%
6%
Building of 2 to 4
7%
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%
In Fort Lupton, 8 in 10 homes are single-family detached houses; in Weld County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Fort Lupton
Weld County
Colorado
United States
Year built: Fort Lupton and its comparisons
Measure
Fort Lupton
Weld County
Colorado
United States
Before 1960
23%
12%
16%
26%
1960–1979
27%
18%
24%
24%
1980–1999
26%
19%
28%
25%
2000–2009
14%
25%
17%
14%
2010 or later
10%
27%
16%
11%
There are fewer big homes in Fort Lupton than in Weld County: 69% have 3 bedrooms or more, against 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–$500K64%
$500K–$750K19%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fort Lupton and its comparisons
Measure
Fort Lupton
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
64%
$500K–$750K
19%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49951%
$1,500–$1,999Unreliable
$2,000–$2,49921%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fort Lupton and its comparisons
Measure
Fort Lupton
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
51%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
21%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,074 a month
Weld County: $2,276 a month
Without a mortgage
$609 a month
Weld County: $645 a month
Owners with a mortgage
78%
Weld County: 74%
Owning costs less in Fort Lupton: with a mortgage, the typical cost is $2,074 a month; in Weld County, $2,276. Without one, $609.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fort Lupton+73%
Weld County+58%
Colorado+57%
United States+53%
Typical rent
Fort Lupton+41%
Weld County+42%
Colorado+39%
United States+33%
Typical household income
Fort LuptonNo clear change
Weld County+31%
Colorado+32%
United States+29%
Change since 2015–2019: Fort Lupton and its comparisons
Measure
Fort Lupton
Weld County
Colorado
United States
Typical home value
+73%
+58%
+57%
+53%
Typical rent
+41%
+42%
+39%
+33%
Typical household income
No clear change
+31%
+32%
+29%
The typical home value in Fort Lupton rose 73% since 2015–2019, more than in Weld County (58%).
Rents in Fort Lupton rose at about the same pace as in Weld County: 41% since 2015–2019, against 42%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fort Lupton and its comparisons
Measure
Fort Lupton
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
3.06
2.78
2.42
2.53
Drive alone
77%
72%
65%
69%
Carpool
11%
10%
8%
9%
Public transit
Unreliable estimate
0%
2%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
7%
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
More people live in each home here: 3.06 on average, against 2.78 in Weld County.
To get to work, 77% of workers in Fort Lupton drive alone; in Weld County, 72%.
Do the math
What would you pay each month for a home in Fort Lupton?
A typical home costs more than the typical income allows
We start with a typical home in Fort Lupton, worth $416,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Fort Lupton, which is $80,889 a year. For that payment to be 28% of income, a household would need to earn about $140,589 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 Fort Lupton. 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 $14,560 (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
$3,280
at 7.18% · 30 years
Loan amount
$408,465
Total interest
$587,686
Paid off in
November 2056
Includes $7,025 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,887 a month
Tight
$1,887 to $2,427 a month
Hard
more than $2,427 a month
Your payment · 49%
Compared with the typical household income in Fort Lupton ($80,889 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,767
Property tax
$156
Home insurance
$173
FHA mortgage insurance (MIP)
$184
You need at least $14,560 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 $3,280; principal and interest $2,767.
The city and its county
Fort Lupton and Weld County
Fort Lupton 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).
Fort Lupton
Map of Weld County, Colorado, with Fort Lupton marked. Around it, the neighboring counties.
Fort Lupton
Weld County
Other cities with a page
Fort Lupton's own numbers
Typical home value
$416,000
Typical monthly rent
$1,251
Typical yearly household income
$80,889
Households that own their home
67%
Effective property tax rate
0.45%
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 Fort Lupton is worth $416,000: 12% below the county and 23% below Colorado. With the typical household income in Fort Lupton ($80,889 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.
Fort Lupton5.1 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
Fort Lupton 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
Fort Lupton$416,000
Weld$471,700
Colorado$539,400
United States$332,700
Typical monthly rent
Fort Lupton$1,251
Weld$1,539
Colorado$1,761
United States$1,413
Typical yearly household income
Fort Lupton$80,889
Weld$97,097
Colorado$95,470
United States$80,734
See the full table
Fort Lupton next to Weld County and Colorado
Measure
Fort Lupton
Weld County
Colorado
U.S.
Typical home value
$416,000 ▼12% below the county
$471,700
$539,400
$332,700
Typical monthly rent
$1,251 ▼19% below the county
$1,539
$1,761
$1,413
Typical yearly household income
$80,889 ▼17% below the county
$97,097
$95,470
$80,734
Households that own their home
67% ▼9 points below the county
76%
66%
65%
Typical yearly property tax
$1,866 ▼24% below the county
$2,440
$2,602
$3,119
Effective property tax rate
0.45% ▼0.07 points below the county
0.52%
0.48%
0.94%
Renters with high rent for their income
59% ▲4 points above the county
55%
53%
51%
“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 Fort Lupton
For a typical $416,000 home in Fort Lupton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Lupton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,280a month
Least cash to close
Down payment
$14,560
Cash to close
$27,040
Rate
7.18%
Mortgage insurance
FHA MIP · $184
Conventional, 5% down$3,204a month
Down payment
$20,800
Cash to close
$33,280
Rate
7.18%
Mortgage insurance
PMI · $198
Conventional, 20% down, no PMI$2,584a month
Down payment
$83,200
Cash to close
$95,680
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,968a month
Down payment
$62,400
Cash to close
$74,880
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fort Lupton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,280
$14,560
$408,465
7.18%
FHA MIP · $184
$27,040
580
Conventional, 5% down
$3,204
$20,800
$395,200
7.18%
PMI · $198
$33,280
620*
Conventional, 20% down, no PMI
$2,584
$83,200
$332,800
7.18%
None
$95,680
620*
ITIN, 15% down (example)
$2,968
$62,400
$353,600
8.18%
None
$74,880
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 Fort Lupton is $1,251 a month: 19% below the county. In Fort Lupton, 59% of renter households pay 30% or more of their income in rent.
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 Fort Lupton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Lupton is in ZIP code 80621.
For 2 bedrooms it is $1,480: $167 less than the fair market rent for Weld County ($1,647).
Fair market rent by ZIP code and size in Fort Lupton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
80621
$1,110
$1,170
$1,480
$2,050
$2,470
ZIP code2 bd3 bd
80621 $1,480$2,050
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fort Lupton 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)
HUD lists 5 buildings with rents for lower incomes in Fort Lupton. These are the largest.
Meadows Townhouse Apts Ahpc1105 Mountainview Ave, Fort Lupton 8062151 low-income homes · 2 bd: 35 · 3 bd: 16 · In service since 2003 · For families(303) 857-2939
Fort Lupton240 S Denver Ave, Fort Lupton 8062150 low-income homes · Run by Housing Authority of the City of Fort Lupton · Average payment: $616 a month · Average wait: 46 months · Homes at several sites(303) 857-4400
Prairie Sun Apts1001 Mountview Ave, Fort Lupton 8062150 low-income homes · 1 bd: 8 · 2 bd: 28 · 3 bd: 14 · In service since 2004 · For families
Columbine Court400 2nd St, Fort Lupton 8062130 low-income homes · For older adults(303) 857-4400
Fulton Avenue Apts830 Fulton Ave, Fort Lupton 8062111 low-income homes · 2 bd: 10 · 3 bd: 1 · In service since 1998
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 Fort Lupton or Weld County. The ones below are statewide in Colorado: they work in Fort Lupton 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 Fort Lupton 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 Fort Lupton 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 Fort Lupton?
The typical home value in Fort Lupton is $416,000, 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 Fort Lupton?
Typical rent in Fort Lupton is $1,251 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 Fort Lupton?
Fort Lupton 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 Fort Lupton?
The typical homeowner in Fort Lupton pays $1,866 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Weld County, the rate is 0.52%.
Where can I find free help to buy or rent in Fort Lupton?
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.
