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City · 30,602 residents · Boulder County, Colorado

Lafayette , Colorado

In Lafayette, a typical home is worth $686,500 and typical rent is $2,121 a month. Compared with all of Boulder County, typical household income is 14% higher and the typical home value is 9% lower.

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  • Typical home value

    $686,500

    9% below the county

    27% above Colorado

    • Lafayette
    • Boulder
    • Colorado

  • Typical rent

    $2,121a month

    8% above the county

    20% above Colorado

    • Lafayette
    • Boulder
    • Colorado

  • Typical household income

    $119,040a year

    14% above the county

    25% above Colorado

    • Lafayette
    • Boulder
    • Colorado

  • Households that own their home

    66%

    4 points above the county

    1 points below Colorado

    • Lafayette
    • Boulder
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$664,650
0.8% less than 12 months ago
Typical rent
$2,193 a month
1.5% more than 12 months ago

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

Lafayette is in Boulder County. The FHA loan limit ($879,750 for a one-unit home), the fair market rents and the help on this page are those of all of Boulder County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lafayette apart

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

  1. Nearby, in Westminster, the typical home value is $532,400: 22% less than in Lafayette ($686,500).

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

The homes here

Housing in Lafayette

What homes there are in Lafayette, 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 the most common home in Lafayette: 55% of homes, near the figure in Boulder County (57%).

There are more mobile homes here than in Boulder County: 5% of homes, against 2%.

Year built

Here half of the homes date from 1994 or later; in Boulder County, from 1986 or later.

There is more room for a big family here: 67% of homes have 3 bedrooms or more, against 61% in Boulder 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

With a mortgage

$2,513 a month

Boulder County: $2,743 a month

Without a mortgage

$812 a month

Boulder County: $836 a month

Owners with a mortgage

74%

Boulder County: 66%

In Lafayette, 74% of owners have a mortgage, and their typical cost is $2,513 a month, against $2,743 in Boulder County. Without one it drops to $812.

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, the typical home value in Lafayette rose 63%; in Boulder County, it rose 52%.

The typical rent in Lafayette rose 42% over the same time; in Boulder County, it rose 32%.

To compare: typical income in Lafayette rose 43%; the home, +63%; the rent, +42%.

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

MeasureLafayetteBoulder CountyColoradoUnited States
Rental vacancy Unreliable estimate4.0%5.1%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.6%2.4%3.4%
People per household 2.412.302.422.53
Drive alone 60%53%65%69%
Carpool 6%5%8%9%
Public transit Unreliable estimate3%2%3%
Walk or bike Unreliable estimate7%3%3%
Work from home 30%31%21%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Lafayette look like those in Boulder County: 2.41 people on average.

The car rules in Lafayette: 60% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Lafayette?

A typical home costs more than the typical income allows

We start with a typical home in Lafayette, worth $686,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Lafayette, which is $119,040 a year. For that payment to be 28% of income, a household would need to earn about $232,496 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lafayette. 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 $24,028 (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

$5,425

at 7.18% · 30 years

Loan amount
$674,065
Total interest
$969,822
Paid off in
November 2056

Includes $11,593 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,778 a month

  • Tight

    $2,778 to $3,571 a month

  • Hard

    more than $3,571 a month

    Your payment · 55%

Compared with the typical household income in Lafayette ($119,040 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,425
Principal & interest$4,566
Property tax$269
Home insurance$286
FHA mortgage insurance (MIP)$304

You need at least $24,028 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

Lafayette and Boulder County

Lafayette is in Boulder 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).

Lafayette's own numbers

Typical home value
$686,500
Typical monthly rent
$2,121
Typical yearly household income
$119,040
Households that own their home
66%
Effective property tax rate
0.47%

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

Numbers for all of Boulder County

FHA limit, one-unit home
$879,750
Conventional limit, one unit
$879,750
HUD fair market rent, 2 bedrooms
$2,033
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
2.6%

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 Boulder County.

Everything about Boulder County

Buying

Buying a home in Lafayette

A typical home in Lafayette is worth $686,500: 9% below the county and 27% above Colorado. With the typical household income in Lafayette ($119,040 a year), a typical home costs 5.8 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.

  • Lafayette 5.8 years
  • Boulder 7.3 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Boulder County

According to FHFA’s house price index, home prices in Boulder County rose 86% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Boulder County.

Period County Colorado U.S.
Last year (2025) −0.1% +0.1% +2.9%
5 years (2020–2025) +35% +38% +47%
10 years (2015–2025) +86% +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

Lafayette next to Boulder 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
  • Lafayette $686,500
  • Boulder $756,300
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Lafayette $2,121
  • Boulder $1,966
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Lafayette $119,040
  • Boulder $103,994
  • Colorado $95,470
  • United States $80,734
See the full table
Lafayette next to Boulder County and Colorado
Measure Lafayette Boulder County Colorado U.S.
Typical home value $686,500 $756,300 $539,400 $332,700
Typical monthly rent $2,121 $1,966 $1,761 $1,413
Typical yearly household income $119,040 $103,994 $95,470 $80,734
Households that own their home 66% 62% 66% 65%
Typical yearly property tax $3,258 $3,998 $2,602 $3,119
Effective property tax rate 0.47% 0.53% 0.48% 0.94%
Renters with high rent for their income 54% 60% 53% 51%

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

For a typical $686,500 home in Lafayette, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lafayette's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,425a month

    Least cash to close
    Down payment
    $24,028
    Cash to close
    $44,623
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $304

  • Conventional, 5% down $5,299a month

    Down payment
    $34,325
    Cash to close
    $54,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $326

  • Conventional, 20% down, no PMI $4,275a month

    Down payment
    $137,300
    Cash to close
    $157,895
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,910a month

    Down payment
    $102,975
    Cash to close
    $123,570
    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 Lafayette and for Boulder County.

Property tax

Effective rate in Lafayette

0.47%of the home’s value each year

$3,258 a year for the typical owner in Lafayette.

  • Lafayette 0.47%
  • Boulder 0.53%
  • 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 Boulder County

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

Homes in the high-risk zone
2.6%
2,870
Of those, with NFIP insurance
44%
County Colorado U.S.
Homes in the high-risk zone 2.6% 1.1% 3.5%
Of those, with NFIP insurance 44% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lafayette

Typical rent in Lafayette is $2,121 a month: 8% above the county. In Lafayette, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Boulder County, by unit size. To pay the 2-bedroom one ($2,033 a month) without spending more than 30% of your income, you would need to earn $39.10 an hour working full time.

HUD fair market rent for all of Boulder 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 $1,520 $29.23 $60,800
1 bedroom $1,735 $33.37 $69,400
2 bedrooms $2,033 $39.10 $81,320
3 bedrooms $2,703 $51.98 $108,120
4 bedrooms $3,146 $60.50 $125,840

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 Lafayette

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lafayette is in ZIP code 80026.

For 2 bedrooms it is $2,160: $127 more than the fair market rent for Boulder County ($2,033).

  • 80026 $2,160$2,870

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lafayette 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 Lafayette

HUD lists 6 buildings with rents for lower incomes in Lafayette. These are the largest.

  • Copper Stone Apartments 750 S Lafayette Dr, Lafayette 80026 260 low-income homes · 1 bd: 54 · 2 bd: 150 · 3 bd: 56 · In service since 2018 · For families
  • Aspinwall at Josephine Commons 745 W Cleveland Cir, Lafayette 80026 167 low-income homes · 1 bd: 60 · 2 bd: 74 · 3 bd: 31 · 4 bd: 2 · In service since 2014 · For families
  • Josephine Commons 455 N Burlington Ave, Lafayette 80026 74 low-income homes · 1 bd: 38 · 2 bd: 36 · In service since 2012 · For older adults
  • Peakview Apts 601 Merlin Dr, Lafayette 80026 160 homes, 64 low-income · 1 bd: 44 · 2 bd: 73 · 3 bd: 43 · In service since 1996
  • Eagle Place 1310 Cimarron Dr, Lafayette 80026 60 low-income homes · 2 bd: 40 · 3 bd: 20 · In service since 2007 · For families

See all 69 buildings in Boulder County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lafayette

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 Boulder County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Lafayette

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

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

  • Community Resources and Housing Development Corporation

    7305 Lowell Blvd Unit 200, Westminster · 12 miles away · Spanish

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

  • Oweesta Corporation

    2432 Main St, Longmont · 14 miles away

    (303) 774-8838

  • Operation Hope-Commerce City Co

    6565 E 73rd Ave, Commerce City · 15 miles away

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

Every agency in Boulder County All counseling agencies in Colorado

Help in Spanish near Lafayette

1 of the 3 agencies on this list says it serves 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 Lafayette

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

  • Boulder County Housing Authority Public housing and Section 8 vouchers (303) 441-3929

2 other authorities have an office in Boulder County: see the list Source: HUD

Cities

Other cities in Boulder County

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

Everything about Boulder County Housing in Colorado

Nearby cities

The cities closest to Lafayette, with the typical home value.

Neighboring counties

If Boulder 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 Lafayette.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Lafayette

Short answers with the numbers for Lafayette and all of Boulder 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 Lafayette?

The typical home value in Lafayette is $686,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Boulder County it is $756,300.

How much does it cost to rent in Lafayette?

Typical rent in Lafayette is $2,121 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Boulder County is $2,033.

What is the FHA loan limit in Lafayette?

Lafayette uses the FHA limit for all of Boulder County (2026): $879,750 for a one-unit home and $1,691,850 for a four-unit home.

How much property tax do owners pay in Lafayette?

The typical homeowner in Lafayette pays $3,258 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in Boulder County, the rate is 0.53%.

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

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