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City · 8,609 residents · Weld County, Colorado

Lochbuie , Colorado

In Lochbuie, a typical home is worth $423,000 and typical rent is $2,429 a month. Compared with all of Weld County, typical rent is 58% higher, the typical home value is 10% lower, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $423,000

    10% below the county

    22% below Colorado

    • Lochbuie
    • Weld
    • Colorado

  • Typical rent

    $2,429a month

    58% above the county

    38% above Colorado

    • Lochbuie
    • Weld
    • Colorado

  • Typical household income

    $97,009a year

    About the same as the county

    About the same as Colorado

    • Lochbuie
    • Weld
    • Colorado

  • Households that own their home

    93%

    17 points above the county

    27 points above Colorado

    • Lochbuie
    • Weld
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$457,024
2.7% less than 12 months ago
Typical rent
$2,800 a month

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

Lochbuie 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Lochbuie apart

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

  1. The typical rent in Lochbuie is $2,429 a month, 58% more than in Weld County as a whole ($1,539).

  2. Nearby, in Fort Lupton, the typical rent is $1,251: 48% less than in Lochbuie ($2,429).

  3. 93% of households in Lochbuie own their home, against 76% in Weld County.

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

The homes here

Housing in Lochbuie

What homes there are in Lochbuie, 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

In Lochbuie, 8 in 10 homes are single-family detached houses; in Weld County, 7.

Year built

The typical home in Lochbuie was built in 2005, 4 years after the typical one in Weld 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

$2,125 a month

Weld County: $2,276 a month

Without a mortgage

$445 a month

Weld County: $645 a month

Owners with a mortgage

78%

Weld County: 74%

The typical cost for an owner with a mortgage in Lochbuie is $2,125 a month, less than in Weld County ($2,276); without one, $445.

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 Lochbuie rose 68% since 2015–2019, more than in Weld County (58%).

The typical rent in Lochbuie rose 75% over the same time; in Weld County, it rose 42%.

Here income did not keep up with housing: it rose 36%, while home values changed +68% and rent +75%.

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

MeasureLochbuieWeld CountyColoradoUnited States
Rental vacancy Unreliable estimate6.1%5.1%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate3.0%2.4%3.4%
People per household 2.932.782.422.53
Drive alone 71%72%65%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimate0%2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 12%14%21%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Lochbuie are bigger: 2.93 people on average; in Weld County, 2.78.

To get to work, 71% of workers in Lochbuie drive alone; in Weld County, 72%.

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 Lochbuie?

A typical home costs more than the typical income allows

We start with a typical home in Lochbuie, worth $423,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Lochbuie, which is $97,009 a year. For that payment to be 28% of income, a household would need to earn about $142,804 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lochbuie. 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 $14,805 (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

$3,332

at 7.18% · 30 years

Loan amount
$415,338
Total interest
$597,575
Paid off in
November 2056

Includes $7,143 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,264 a month

  • Tight

    $2,264 to $2,910 a month

  • Hard

    more than $2,910 a month

    Your payment · 41%

Compared with the typical household income in Lochbuie ($97,009 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,332
Principal & interest$2,814
Property tax$155
Home insurance$176
FHA mortgage insurance (MIP)$187

You need at least $14,805 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

Lochbuie and Weld County

Lochbuie 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).

Lochbuie's own numbers

Typical home value
$423,000
Typical monthly rent
$2,429
Typical yearly household income
$97,009
Households that own their home
93%
Effective property tax rate
0.44%

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.

Everything about Weld County

Buying

Buying a home in Lochbuie

A typical home in Lochbuie is worth $423,000: 10% below the county and 22% below Colorado. With the typical household income in Lochbuie ($97,009 a year), a typical home costs 4.4 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.

  • Lochbuie 4.4 years
  • Weld 4.9 years
  • Colorado 5.6 years
  • United States 4.1 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.

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

Lochbuie 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
  • Lochbuie $423,000
  • Weld $471,700
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Lochbuie $2,429
  • Weld $1,539
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Lochbuie $97,009
  • Weld $97,097
  • Colorado $95,470
  • United States $80,734
See the full table
Lochbuie next to Weld County and Colorado
Measure Lochbuie Weld County Colorado U.S.
Typical home value $423,000 $471,700 $539,400 $332,700
Typical monthly rent $2,429 $1,539 $1,761 $1,413
Typical yearly household income $97,009 $97,097 $95,470 $80,734
Households that own their home 93% 76% 66% 65%
Typical yearly property tax $1,882 $2,440 $2,602 $3,119
Effective property tax rate 0.44% 0.52% 0.48% 0.94%

“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 Lochbuie

For a typical $423,000 home in Lochbuie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lochbuie's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,332a month

    Least cash to close
    Down payment
    $14,805
    Cash to close
    $27,495
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $187

  • Conventional, 5% down $3,255a month

    Down payment
    $21,150
    Cash to close
    $33,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $201

  • Conventional, 20% down, no PMI $2,624a month

    Down payment
    $84,600
    Cash to close
    $97,290
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,015a month

    Down payment
    $63,450
    Cash to close
    $76,140
    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 Lochbuie and for Weld County.

Property tax

Effective rate in Lochbuie

0.44%of the home’s value each year

$1,882 a year for the typical owner in Lochbuie.

  • Lochbuie 0.44%
  • Weld 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 Weld County

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

Homes in the high-risk zone
1.6%
1,671
Of those, with NFIP insurance
12%
County Colorado U.S.
Homes in the high-risk zone 1.6% 1.1% 3.5%
Of those, with NFIP insurance 12% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lochbuie

Typical rent in Lochbuie is $2,429 a month: 58% above the county.

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.

HUD fair market rent for all of Weld 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 $1,240 $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 Lochbuie

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lochbuie is in ZIP code 80603.

For 2 bedrooms it is $2,310: $663 more than the fair market rent for Weld County ($1,647).

  • 80603 $2,310$3,130

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

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Lochbuie

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

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

  • Operation Hope-Commerce City Co

    6565 E 73rd Ave, Commerce City · 18 miles away

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

  • NSC (naca Counseling Subsidiary) - Denver, CO

    14707 East 2nd Avenue Suite 110, Aurora · 22 miles away · Spanish

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

  • Community Resources and Housing Development Corporation

    7305 Lowell Blvd Unit 200, Westminster · 23 miles away · Spanish

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

All counseling agencies in Colorado

Help in Spanish near Lochbuie

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 Lochbuie

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

4 other authorities have an office in Weld County: see the list Source: HUD

Cities

Other cities in Weld County

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

Everything about Weld County Housing in Colorado
See 2 more cities in Weld County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Weld 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 Lochbuie.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Lochbuie

Short answers with the numbers for Lochbuie 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 Lochbuie?

The typical home value in Lochbuie is $423,000, 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 Lochbuie?

Typical rent in Lochbuie is $2,429 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 Lochbuie?

Lochbuie 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 Lochbuie?

The typical homeowner in Lochbuie pays $1,882 a year, according to the U.S. Census Bureau. That is 0.44% of the home’s value; in Weld County, the rate is 0.52%.

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

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.

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).