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City · 14,147 residents · Douglas County, Colorado

Lone Tree , Colorado

In Lone Tree, a typical home is worth $874,100 and typical rent is $2,139 a month. Compared with all of Douglas County, the typical home value is 22% higher, typical household income is 17% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $874,100

    22% above the county

    62% above Colorado

    • Lone Tree
    • Douglas
    • Colorado

  • Typical rent

    $2,139a month

    2% below the county

    21% above Colorado

    • Lone Tree
    • Douglas
    • Colorado

  • Typical household income

    $123,741a year

    17% below the county

    30% above Colorado

    • Lone Tree
    • Douglas
    • Colorado

  • Households that own their home

    54%

    23 points below the county

    12 points below Colorado

    • Lone Tree
    • Douglas
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$870,295
1.6% less than 12 months ago
Typical rent
$1,941 a month
6% less than 12 months ago

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

Lone Tree is in Douglas 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 Douglas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lone Tree apart

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

  1. 54% of households in Lone Tree own their home, against 77% in Douglas County.

  2. Nearby, in Meridian, the typical home value is $581,100: 34% less than in Lone Tree ($874,100).

  3. Lone Tree has the 6th smallest share of rent-burdened renters of the 94 cities in Colorado with more than 5,000 people (38%).

  4. The typical home in Lone Tree is worth $874,100, 22% more than in Douglas County as a whole ($713,600).

  5. The typical household income in Lone Tree is $123,741, 17% less than in Douglas County as a whole ($149,594).

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

The homes here

Housing in Lone Tree

What homes there are in Lone Tree, 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

There are more apartments in Lone Tree than in Douglas County: 44% of homes, against 18%.

Year built

By age, homes in Lone Tree look like those in Douglas County: the typical year built is 2004.

There are fewer big homes in Lone Tree than in Douglas County: 53% have 3 bedrooms or more, against 76%.

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

$3,353 a month

Douglas County: $2,893 a month

Without a mortgage

$898 a month

Douglas County: $864 a month

Owners with a mortgage

58%

Douglas County: 78%

Owning costs more in Lone Tree: with a mortgage, the typical cost is $3,353 a month; in Douglas County, $2,893. Without one, $898.

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 Lone Tree rose 38%; in Douglas County, it rose 52%.

The typical rent in Lone Tree rose 24% over the same time; in Douglas County, it rose 27%.

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

MeasureLone TreeDouglas CountyColoradoUnited States
Rental vacancy Unreliable estimate4.4%5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.4%2.4%3.4%
People per household 2.172.692.422.53
Drive alone 58%62%65%69%
Carpool Unreliable estimate5%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 32%31%21%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Lone Tree has 2.17 people, fewer than in Douglas County (2.69).

To get to work, 58% of workers in Lone Tree drive alone; in Douglas County, 62%.

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 Lone Tree?

A typical home costs more than the typical income allows

We start with a typical home in Lone Tree, worth $874,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Lone Tree, which is $123,741 a year. For that payment to be 28% of income, a household would need to earn about $305,802 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lone Tree. 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 $30,594 (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

$7,135

at 7.18% · 30 years

Loan amount
$858,267
Total interest
$1,234,845
Paid off in
November 2056

Includes $14,761 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,887 a month

  • Tight

    $2,887 to $3,712 a month

  • Hard

    more than $3,712 a month

    Your payment · 69%

Compared with the typical household income in Lone Tree ($123,741 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,135
Principal & interest$5,814
Property tax$430
Home insurance$364
FHA mortgage insurance (MIP)$527

You need at least $30,594 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

Lone Tree and Douglas County

Lone Tree is in Douglas 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).

Lone Tree's own numbers

Typical home value
$874,100
Typical monthly rent
$2,139
Typical yearly household income
$123,741
Households that own their home
54%
Effective property tax rate
0.59%

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

Numbers for all of Douglas 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)
+40%
Homes in a high flood-risk zone
0.1%

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 Douglas County.

Everything about Douglas County

Buying

Buying a home in Lone Tree

A typical home in Lone Tree is worth $874,100: 22% above the county and 62% above Colorado. With the typical household income in Lone Tree ($123,741 a year), a typical home costs 7.1 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.

  • Lone Tree 7.1 years
  • Douglas 4.8 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Douglas County

According to FHFA’s house price index, home prices in Douglas County rose 88% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) +1.7% +0.1% +2.9%
5 years (2020–2025) +40% +38% +47%
10 years (2015–2025) +88% +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

Lone Tree next to Douglas 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
  • Lone Tree $874,100
  • Douglas $713,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Lone Tree $2,139
  • Douglas $2,193
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Lone Tree $123,741
  • Douglas $149,594
  • Colorado $95,470
  • United States $80,734
See the full table
Lone Tree next to Douglas County and Colorado
Measure Lone Tree Douglas County Colorado U.S.
Typical home value $874,100 $713,600 $539,400 $332,700
Typical monthly rent $2,139 $2,193 $1,761 $1,413
Typical yearly household income $123,741 $149,594 $95,470 $80,734
Households that own their home 54% 77% 66% 65%
Typical yearly property tax $5,186 $3,947 $2,602 $3,119
Effective property tax rate 0.59% 0.55% 0.48% 0.94%
Renters with high rent for their income 38% 51% 53% 51%

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

For a typical $874,100 home in Lone Tree, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lone Tree's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,135a month

    Least cash to close
    Down payment
    $30,594
    Cash to close
    $56,817
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $527

  • Conventional, 5% down $6,835a month

    Down payment
    $43,705
    Cash to close
    $69,928
    Rate
    7.18%
    Mortgage insurance
    PMI · $415

  • Conventional, 20% down, no PMI $5,531a month

    Down payment
    $174,820
    Cash to close
    $201,043
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,339a month

    Down payment
    $131,115
    Cash to close
    $157,338
    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 Lone Tree and for Douglas County.

Property tax

Effective rate in Lone Tree

0.59%of the home’s value each year

$5,186 a year for the typical owner in Lone Tree.

  • Lone Tree 0.59%
  • Douglas 0.55%
  • 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 Douglas County

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

Homes in the high-risk zone
0.1%
71
Of those, with NFIP insurance
20%
County Colorado U.S.
Homes in the high-risk zone 0.1% 1.1% 3.5%
Of those, with NFIP insurance 20% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lone Tree

Typical rent in Lone Tree is $2,139 a month: 2% below the county. In Lone Tree, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Douglas 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 Douglas 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 Lone Tree

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

For 2 bedrooms it runs from $2,420 in 80134 to $2,450 in 80124.

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

  • 80124 $2,450$3,210
  • 80134 $2,420$3,180

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

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 Douglas County; 1 says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Lone Tree

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

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

  • Douglas County Housing Partnership

    9350 Heritage Hills Circle, Lone Tree · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 2 more
    (303) 784-7859

  • NSC (naca Counseling Subsidiary) - Denver, CO

    14707 East 2nd Avenue Suite 110, Aurora · 13 miles away · Spanish

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

  • Colorado Housing Assistance Corporation

    670 Santa Fe Dr, Denver · 15 miles away

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

Every agency in Douglas County All counseling agencies in Colorado

Help in Spanish near Lone Tree

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 Lone Tree

HUD lists no housing authority with an office in Douglas County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Colorado Source: HUD

Cities

Other cities in Douglas County

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

Everything about Douglas County Housing in Colorado

Nearby cities

The cities closest to Lone Tree, with the typical home value.

Neighboring counties

If Douglas 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 Lone Tree.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Lone Tree

Short answers with the numbers for Lone Tree and all of Douglas 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 Lone Tree?

The typical home value in Lone Tree is $874,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Douglas County it is $713,600.

How much does it cost to rent in Lone Tree?

Typical rent in Lone Tree is $2,139 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Douglas County is $2,169.

What is the FHA loan limit in Lone Tree?

Lone Tree uses the FHA limit for all of Douglas 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 Lone Tree?

The typical homeowner in Lone Tree pays $5,186 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Douglas County, the rate is 0.55%.

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

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