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City · 11,605 residents · Morgan County, Colorado

Fort Morgan , Colorado

In Fort Morgan, a typical home is worth $313,400 and typical rent is $1,067 a month. Compared with all of Morgan County, typical household income is 12% lower, the typical home value is 7% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $313,400

    7% below the county

    42% below Colorado

    • Fort Morgan
    • Morgan
    • Colorado

  • Typical rent

    $1,067a month

    4% above the county

    39% below Colorado

    • Fort Morgan
    • Morgan
    • Colorado

  • Typical household income

    $64,158a year

    12% below the county

    33% below Colorado

    • Fort Morgan
    • Morgan
    • Colorado

  • Households that own their home

    58%

    9 points below the county

    8 points below Colorado

    • Fort Morgan
    • Morgan
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$325,449
about the same as 12 months ago

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

Fort Morgan is in Morgan County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Morgan County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fort Morgan apart

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

  1. Nearby, in Brush, the typical rent is $692: 35% less than in Fort Morgan ($1,067).

  2. Nearby, in Sterling, the typical home value is $217,400: 31% less than in Fort Morgan ($313,400).

  3. 58% of households in Fort Morgan own their home, against 67% in Morgan County.

  4. Fort Morgan has the 11th lowest typical rent of the 109 cities in Colorado with more than 5,000 people ($1,067).

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

The homes here

Housing in Fort Morgan

What homes there are in Fort Morgan, 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

The detached house is still the most common home in Fort Morgan, but it weighs less than in Morgan County: 62% against 69%.

Year built

The typical home in Fort Morgan was built in 1970, 5 years before the typical one in Morgan County.

Homes in Fort Morgan are smaller: 57% have 3 bedrooms or more; in Morgan County, 63%.

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

$1,634 a month

Morgan County: $1,965 a month

Without a mortgage

$610 a month

Morgan County: $622 a month

Owners with a mortgage

65%

Morgan County: 61%

Owning costs less in Fort Morgan: with a mortgage, the typical cost is $1,634 a month; in Morgan County, $1,965. Without one, $610.

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

The typical home value in Fort Morgan rose 85% since 2015–2019, more than in Morgan County (68%).

Rents in Fort Morgan rose faster than in Morgan County: 32% since 2015–2019, against 23%.

The typical household income in Fort Morgan rose 26%: less than home values (+85%) and rent (+32%).

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 MorganMorgan CountyColoradoUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate4.9%2.4%3.4%
People per household 2.732.622.422.53
Drive alone 78%75%65%69%
Carpool 11%11%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate6%3%3%
Work from home 8%9%21%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Morgan County, a household in Fort Morgan has 2.73 people on average.

In Fort Morgan, 78% of workers drive alone to work; in Morgan County, 75%.

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 Morgan?

A typical home costs more than the typical income allows

We start with a typical home in Fort Morgan, worth $313,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Fort Morgan, which is $64,158 a year. For that payment to be 28% of income, a household would need to earn about $106,363 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fort Morgan. 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 $10,969 (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

$2,482

at 7.18% · 30 years

Loan amount
$307,724
Total interest
$442,742
Paid off in
November 2056

Includes $5,293 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,497 a month

  • Tight

    $1,497 to $1,925 a month

  • Hard

    more than $1,925 a month

    Your payment · 46%

Compared with the typical household income in Fort Morgan ($64,158 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,482
Principal & interest$2,085
Property tax$128
Home insurance$131
FHA mortgage insurance (MIP)$139

You need at least $10,969 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 Morgan and Morgan County

Fort Morgan is in Morgan 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 Morgan's own numbers

Typical home value
$313,400
Typical monthly rent
$1,067
Typical yearly household income
$64,158
Households that own their home
58%
Effective property tax rate
0.49%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Morgan County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,261
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
12%

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 Morgan County.

Everything about Morgan County

Buying

Buying a home in Fort Morgan

A typical home in Fort Morgan is worth $313,400: 7% below the county and 42% below Colorado. With the typical household income in Fort Morgan ($64,158 a year), a typical home costs 4.9 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 Morgan 4.9 years
  • Morgan 4.6 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Morgan County

According to FHFA’s house price index, home prices in Morgan County rose 104% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Morgan 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) +104% +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 Morgan next to Morgan 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 Morgan $313,400
  • Morgan $338,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Fort Morgan $1,067
  • Morgan $1,025
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Fort Morgan $64,158
  • Morgan $73,278
  • Colorado $95,470
  • United States $80,734
See the full table
Fort Morgan next to Morgan County and Colorado
Measure Fort Morgan Morgan County Colorado U.S.
Typical home value $313,400 $338,600 $539,400 $332,700
Typical monthly rent $1,067 $1,025 $1,761 $1,413
Typical yearly household income $64,158 $73,278 $95,470 $80,734
Households that own their home 58% 67% 66% 65%
Typical yearly property tax $1,536 $1,751 $2,602 $3,119
Effective property tax rate 0.49% 0.52% 0.48% 0.94%
Renters with high rent for their income 51% 51% 53% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Morgan 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 Morgan

For a typical $313,400 home in Fort Morgan, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Morgan's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,482a month

    Least cash to close
    Down payment
    $10,969
    Cash to close
    $20,371
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $139

  • Conventional, 5% down $2,424a month

    Down payment
    $15,670
    Cash to close
    $25,072
    Rate
    7.18%
    Mortgage insurance
    PMI · $149

  • Conventional, 20% down, no PMI $1,957a month

    Down payment
    $62,680
    Cash to close
    $72,082
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,247a month

    Down payment
    $47,010
    Cash to close
    $56,412
    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 Morgan and for Morgan County.

Property tax

Effective rate in Fort Morgan

0.49%of the home’s value each year

$1,536 a year for the typical owner in Fort Morgan.

  • Fort Morgan 0.49%
  • Morgan 0.52%
  • 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 Morgan County

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

Homes in the high-risk zone
12%
1,248
Of those, with NFIP insurance
6%
County Colorado U.S.
Homes in the high-risk zone 12% 1.1% 3.5%
Of those, with NFIP insurance 6% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fort Morgan

Typical rent in Fort Morgan is $1,067 a month: 4% above the county. In Fort Morgan, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Morgan County, by unit size. To pay the 2-bedroom one ($1,261 a month) without spending more than 30% of your income, you would need to earn $24.25 an hour working full time.

HUD fair market rent for all of Morgan 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 $937 $18.02 $37,480
1 bedroom $964 $18.54 $38,560
2 bedrooms $1,261 $24.25 $50,440
3 bedrooms $1,746 $33.58 $69,840
4 bedrooms $1,959 $37.67 $78,360

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 Morgan

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Morgan is in ZIP code 80701.

For 2 bedrooms it is $1,890: $629 more than the fair market rent for Morgan County ($1,261).

  • 80701 $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 Fort Morgan 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 Morgan

HUD lists 5 buildings with rents for lower incomes in Fort Morgan. These are the largest.

  • Hillcrest Apartments 1100 Linda St, Fort Morgan 80701 86 low-income homes · Run by Fort Morgan Housing Authority · Average payment: $491 a month · Average wait: 2 months (970) 867-2734
  • Sol Naciente 322 Linda St, Fort Morgan 80701 50 low-income homes · 2 bd: 16 · 3 bd: 18 · 4 bd: 16 · In service since 2016 · For families
  • Gateway Village Apts 414 Southridge Rd, Fort Morgan 80701 96 homes, 44 low-income · For families (970) 867-7767
  • Pioneer Apts 105 Gateway Ave, Fort Morgan 80701 24 homes, 23 low-income · 2 bd: 24 · In service since 1995
  • Riverview Apts (fort Morgan) 1605 E 9th Ave, Fort Morgan 80701 24 homes, 15 low-income · 1 bd: 24 · In service since 1994

See all 11 buildings in Morgan County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fort Morgan

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 Morgan County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Fort Morgan

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

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

  • Northeast Colorado Housing, Inc.

    801 S West St Apt 25, Fort Morgan · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (970) 542-1221

  • NSC (naca Counseling Subsidiary) - Denver, CO

    14707 East 2nd Avenue Suite 110, Aurora · 66 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (303) 694-5437

  • Operation Hope-Commerce City Co

    6565 E 73rd Ave, Commerce City · 66 miles away

    • Homelessness services
    • Pre-purchase counseling
    • and 1 more
    (571) 544-2282

Every agency in Morgan County All counseling agencies in Colorado

Help in Spanish near Fort Morgan

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 Morgan

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

One other authority has an office in Morgan County: see the list Source: HUD

Cities

Other cities in Morgan County

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

Everything about Morgan County Housing in Colorado

Nearby cities

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

Neighboring counties

If Morgan 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 Morgan.

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

Questions

Housing questions about Fort Morgan

Short answers with the numbers for Fort Morgan and all of Morgan 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 Morgan?

The typical home value in Fort Morgan is $313,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Morgan County it is $338,600.

How much does it cost to rent in Fort Morgan?

Typical rent in Fort Morgan is $1,067 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Morgan County is $1,261.

What is the FHA loan limit in Fort Morgan?

Fort Morgan uses the FHA limit for all of Morgan County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Fort Morgan?

The typical homeowner in Fort Morgan pays $1,536 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in Morgan County, the rate is 0.52%.

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

There is 1 HUD-approved counseling agency with an office in Morgan 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).