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City · 10,570 residents · Garfield County, Colorado

Rifle , Colorado

In Rifle, a typical home is worth $413,500 and typical rent is $1,308 a month. Compared with all of Garfield County, the typical home value is 22% lower and typical rent is 20% lower.

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  • Typical home value

    $413,500

    22% below the county

    23% below Colorado

    • Rifle
    • Garfield
    • Colorado

  • Typical rent

    $1,308a month

    20% below the county

    26% below Colorado

    • Rifle
    • Garfield
    • Colorado

  • Typical household income

    $80,000a year

    12% below the county

    16% below Colorado

    • Rifle
    • Garfield
    • Colorado

  • Households that own their home

    66%

    3 points below the county

    About the same as Colorado

    • Rifle
    • Garfield
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$497,529
3.5% more than 12 months ago

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

Rifle is in Garfield County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Garfield County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rifle apart

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

  1. Nearby, in Battlement Mesa, the typical home value is $312,700: 24% less than in Rifle ($413,500).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Rifle rose 3.5%; in Colorado, it fell 1.3%.

  3. The typical home in Rifle is worth $413,500, 22% less than in Garfield County as a whole ($527,800).

  4. Nearby, in Battlement Mesa, the typical rent is $1,106: 15% less than in Rifle ($1,308).

  5. The typical rent in Rifle is $1,308 a month, 20% less than in Garfield County as a whole ($1,637).

  6. Rifle has the 9th smallest share of rent-burdened renters of the 94 cities in Colorado with more than 5,000 people (39%).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Rifle

What homes there are in Rifle, 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 Rifle: 58% of homes, near the figure in Garfield County (60%).

Year built

The typical year built in Rifle is 1991, about the same as in Garfield County (1993).

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

$1,948 a month

Garfield County: $2,277 a month

Without a mortgage

$697 a month

Garfield County: $654 a month

Owners with a mortgage

75%

Garfield County: 67%

The typical cost for an owner with a mortgage in Rifle is $1,948 a month, less than in Garfield County ($2,277); without one, $697.

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

Since 2015–2019, homes in Rifle gained value faster than in Garfield County: 68% against 46%.

Since 2015–2019, the typical rent in Rifle rose 33%, less than in Garfield County (36%).

Here income did not keep up with housing: it rose 21%, while home values changed +68% and rent +33%.

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

MeasureRifleGarfield 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 estimate2.0%2.4%3.4%
People per household 2.752.622.422.53
Drive alone 77%71%65%69%
Carpool 15%12%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 7%11%21%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Garfield County, a household in Rifle has 2.75 people on average.

In Rifle, 77% of workers drive alone to work; in Garfield County, 71%.

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 Rifle?

A typical home costs more than the typical income allows

We start with a typical home in Rifle, worth $413,500, 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 Rifle, which is $80,000 a year. For that payment to be 28% of income, a household would need to earn about $138,267 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rifle. 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 $14,473 (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

$3,226

at 7.18% · 30 years

Loan amount
$406,010
Total interest
$584,153
Paid off in
November 2056

Includes $6,983 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,867 a month

  • Tight

    $1,867 to $2,400 a month

  • Hard

    more than $2,400 a month

    Your payment · 48%

Compared with the typical household income in Rifle ($80,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,226
Principal & interest$2,750
Property tax$121
Home insurance$172
FHA mortgage insurance (MIP)$183

You need at least $14,473 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

Rifle and Garfield County

Rifle is in Garfield 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).

Rifle's own numbers

Typical home value
$413,500
Typical monthly rent
$1,308
Typical yearly household income
$80,000
Households that own their home
66%
Effective property tax rate
0.35%

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

Numbers for all of Garfield County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$1,781
Price change over 5 years (FHFA)
+63%

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 Garfield County.

Everything about Garfield County

Buying

Buying a home in Rifle

A typical home in Rifle is worth $413,500: 22% below the county and 23% below Colorado. With the typical household income in Rifle ($80,000 a year), a typical home costs 5.2 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.

  • Rifle 5.2 years
  • Garfield 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 Garfield County

According to FHFA’s house price index, home prices in Garfield County rose 114% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) +4.9% +0.1% +2.9%
5 years (2020–2025) +63% +38% +47%
10 years (2015–2025) +114% +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

Rifle next to Garfield 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
  • Rifle $413,500
  • Garfield $527,800
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Rifle $1,308
  • Garfield $1,637
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Rifle $80,000
  • Garfield $91,131
  • Colorado $95,470
  • United States $80,734
See the full table
Rifle next to Garfield County and Colorado
Measure Rifle Garfield County Colorado U.S.
Typical home value $413,500 $527,800 $539,400 $332,700
Typical monthly rent $1,308 $1,637 $1,761 $1,413
Typical yearly household income $80,000 $91,131 $95,470 $80,734
Households that own their home 66% 70% 66% 65%
Typical yearly property tax $1,448 $2,201 $2,602 $3,119
Effective property tax rate 0.35% 0.42% 0.48% 0.94%
Renters with high rent for their income 39% 46% 53% 51%

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

For a typical $413,500 home in Rifle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rifle's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,226a month

    Least cash to close
    Down payment
    $14,473
    Cash to close
    $26,878
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $183

  • Conventional, 5% down $3,150a month

    Down payment
    $20,675
    Cash to close
    $33,080
    Rate
    7.18%
    Mortgage insurance
    PMI · $196

  • Conventional, 20% down, no PMI $2,534a month

    Down payment
    $82,700
    Cash to close
    $95,105
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,916a month

    Down payment
    $62,025
    Cash to close
    $74,430
    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 Rifle and for Garfield County.

Property tax

Effective rate in Rifle

0.35%of the home’s value each year

$1,448 a year for the typical owner in Rifle.

  • Rifle 0.35%
  • Garfield 0.42%
  • 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 Garfield County

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

FEMA’s maps count no homes in the high-risk zone in Garfield County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rifle

Typical rent in Rifle is $1,308 a month: 20% below the county. In Rifle, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Garfield County, by unit size. To pay the 2-bedroom one ($1,781 a month) without spending more than 30% of your income, you would need to earn $34.25 an hour working full time.

HUD fair market rent for all of Garfield 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 $1,387 $26.67 $55,480
2 bedrooms $1,781 $34.25 $71,240
3 bedrooms $2,466 $47.42 $98,640
4 bedrooms $2,477 $47.63 $99,080

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 Rifle

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rifle is in ZIP code 81650.

For 2 bedrooms it is $1,450: $331 less than the fair market rent for Garfield County ($1,781).

  • 81650 $1,450$2,010

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

HUD lists 3 buildings with rents for lower incomes in Rifle. These are the largest.

  • Kendall Heights 150 Ute Ave, Rifle 81650 60 low-income homes · For older adults (970) 625-3974
  • Eagle's Nest Apts 1041 W 24th St, Rifle 81650 30 low-income homes · 1 bd: 8 · 2 bd: 13 · 3 bd: 9 · In service since 2000
  • White River Village 800 Whiteriver Ave, Rifle 81650 29 low-income homes · 2 bd: 21 · 3 bd: 8 · In service since 2005 · For families

See all 13 buildings in Garfield County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rifle

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 Garfield County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Rifle

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

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

  • Housing Resources of Western Colorado

    524 30 Rd Ste 3, Grand Junction · 50 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (970) 250-2585

  • Brothers Redevelopment, Inc.

    2250 Eaton St Ste B, Edgewater · 145 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (303) 202-6340

  • Southwest Improvement Council

    5045 W 1st Ave, Denver · 145 miles away

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

All counseling agencies in Colorado

Help in Spanish near Rifle

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 Rifle

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

All housing agencies in Colorado Source: HUD

Cities

Other cities in Garfield County

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

Everything about Garfield County Housing in Colorado

Nearby cities

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

Neighboring counties

If Garfield 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 Rifle.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Rifle

Short answers with the numbers for Rifle and all of Garfield 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 Rifle?

The typical home value in Rifle is $413,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Garfield County it is $527,800.

How much does it cost to rent in Rifle?

Typical rent in Rifle is $1,308 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Garfield County is $1,781.

What is the FHA loan limit in Rifle?

Rifle uses the FHA limit for all of Garfield County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Rifle?

The typical homeowner in Rifle pays $1,448 a year, according to the U.S. Census Bureau. That is 0.35% of the home’s value; in Garfield County, the rate is 0.42%.

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

We found no HUD-approved counseling agencies with an office in Garfield 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).