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City · 33,233 residents · Jefferson County, Colorado

Ken Caryl , Colorado

In Ken Caryl, a typical home is worth $600,300 and typical rent is $2,127 a month. Compared with all of Jefferson County, typical rent is 14% higher, typical household income is 7% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $600,300

    6% below the county

    11% above Colorado

    • Ken Caryl
    • Jefferson
    • Colorado

  • Typical rent

    $2,127a month

    14% above the county

    21% above Colorado

    • Ken Caryl
    • Jefferson
    • Colorado

  • Typical household income

    $118,269a year

    7% above the county

    24% above Colorado

    • Ken Caryl
    • Jefferson
    • Colorado

  • Households that own their home

    84%

    14 points above the county

    18 points above Colorado

    • Ken Caryl
    • Jefferson
    • Colorado

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

Ken Caryl 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 Ken Caryl apart

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

  1. Nearby, in Sheridan, the typical home value is $380,600: 37% less than in Ken Caryl ($600,300).

  2. Nearby, in Sheridan, the typical rent is $1,622: 24% less than in Ken Caryl ($2,127).

  3. 84% of households in Ken Caryl own their home, against 71% in Jefferson County.

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

The homes here

Housing in Ken Caryl

What homes there are in Ken Caryl, 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

As in Jefferson County, most homes in Ken Caryl are detached houses (65%).

Year built

Homes in Ken Caryl are newer: the typical year built is 1987; in Jefferson County, 1980.

In Ken Caryl, 71% of homes have 3 bedrooms or more, more than 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

$2,402 a month

Jefferson County: $2,498 a month

Without a mortgage

$755 a month

Jefferson County: $737 a month

Owners with a mortgage

73%

Jefferson County: 71%

Owning costs about the same in Ken Caryl as in Jefferson County: with a mortgage, $2,402 a month; without one, $755.

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 Ken Caryl rose at about the same pace as in Jefferson County: 62% against 60%.

Rents in Ken Caryl rose at about the same pace as in Jefferson County: 37% since 2015–2019, against 35%.

Housing prices ran ahead of income in Ken Caryl: typical income rose 26%, against +62% for home values and +37% 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

MeasureKen CarylJefferson 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 2.412.362.422.53
Drive alone 63%64%65%69%
Carpool 6%6%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 27%25%21%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Jefferson County, a household in Ken Caryl has 2.41 people on average.

In Ken Caryl, 63% of workers drive alone to work; in Jefferson County, 64%.

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 Ken Caryl?

A typical home costs more than the typical income allows

We start with a typical home in Ken Caryl, worth $600,300, 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 Ken Caryl, which is $118,269 a year. For that payment to be 28% of income, a household would need to earn about $204,375 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 Ken Caryl. 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 $21,011 (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

$4,769

at 7.18% · 30 years

Loan amount
$589,427
Total interest
$848,047
Paid off in
November 2056

Includes $10,138 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,760 a month

  • Tight

    $2,760 to $3,548 a month

  • Hard

    more than $3,548 a month

    Your payment · 48%

Compared with the typical household income in Ken Caryl ($118,269 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,769
Principal & interest$3,993
Property tax$260
Home insurance$250
FHA mortgage insurance (MIP)$266

You need at least $21,011 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

Ken Caryl and Jefferson County

Ken Caryl 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).

Ken Caryl's own numbers

Typical home value
$600,300
Typical monthly rent
$2,127
Typical yearly household income
$118,269
Households that own their home
84%
Effective property tax rate
0.52%

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 Ken Caryl

A typical home in Ken Caryl is worth $600,300: 6% below the county and 11% above Colorado. With the typical household income in Ken Caryl ($118,269 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.

  • Ken Caryl 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

Ken Caryl 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
  • Ken Caryl $600,300
  • Jefferson $637,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Ken Caryl $2,127
  • Jefferson $1,861
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Ken Caryl $118,269
  • Jefferson $110,656
  • Colorado $95,470
  • United States $80,734
See the full table
Ken Caryl next to Jefferson County and Colorado
Measure Ken Caryl Jefferson County Colorado U.S.
Typical home value $600,300 $637,600 $539,400 $332,700
Typical monthly rent $2,127 $1,861 $1,761 $1,413
Typical yearly household income $118,269 $110,656 $95,470 $80,734
Households that own their home 84% 71% 66% 65%
Typical yearly property tax $3,123 $3,082 $2,602 $3,119
Effective property tax rate 0.52% 0.48% 0.48% 0.94%
Renters with high rent for their income 43% 53% 53% 51%

“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 Ken Caryl

For a typical $600,300 home in Ken Caryl, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ken Caryl's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,769a month

    Least cash to close
    Down payment
    $21,011
    Cash to close
    $39,020
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $266

  • Conventional, 5% down $4,659a month

    Down payment
    $30,015
    Cash to close
    $48,024
    Rate
    7.18%
    Mortgage insurance
    PMI · $285

  • Conventional, 20% down, no PMI $3,764a month

    Down payment
    $120,060
    Cash to close
    $138,069
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,319a month

    Down payment
    $90,045
    Cash to close
    $108,054
    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 Ken Caryl and for Jefferson County.

Property tax

Effective rate in Ken Caryl

0.52%of the home’s value each year

$3,123 a year for the typical owner in Ken Caryl.

  • Ken Caryl 0.52%
  • 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 Ken Caryl

Typical rent in Ken Caryl is $2,127 a month: 14% above the county. In Ken Caryl, 43% of renter households pay 30% or more of their income in rent.

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 Ken Caryl

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

For 2 bedrooms it runs from $2,330 in 80128 to $2,470 in 80127.

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

  • 80127 $2,470$3,240
  • 80128 $2,330$3,060

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

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 man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Ken Caryl

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

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

  • Southwest Improvement Council

    5045 W 1st Ave, Denver · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (303) 934-0923

  • Denver Housing Authority

    3550 W 13th Ave, Denver · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (720) 956-3806

  • Colorado Housing Assistance Corporation

    670 Santa Fe Dr, Denver · 12 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (303) 572-9445

Every agency in Jefferson County All counseling agencies in Colorado

Help in Spanish near Ken Caryl

None 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 Ken Caryl

HUD’s record names them for Ken Caryl 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 Ken Caryl, 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 Ken Caryl.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Ken Caryl

Short answers with the numbers for Ken Caryl 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 Ken Caryl?

The typical home value in Ken Caryl is $600,300, 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 Ken Caryl?

Typical rent in Ken Caryl is $2,127 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 Ken Caryl?

Ken Caryl 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 Ken Caryl?

The typical homeowner in Ken Caryl pays $3,123 a year, according to the U.S. Census Bureau. That is 0.52% of the home’s value; in Jefferson County, the rate is 0.48%.

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

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).