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City · 13,172 residents · Logan County, Colorado

Sterling , Colorado

In Sterling, a typical home is worth $217,400 and typical rent is $1,031 a month. Compared with all of Logan County, typical household income is 16% lower, the typical home value is 11% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $217,400

    11% below the county

    60% below Colorado

    • Sterling
    • Logan
    • Colorado

  • Typical rent

    $1,031a month

    About the same as the county

    41% below Colorado

    • Sterling
    • Logan
    • Colorado

  • Typical household income

    $43,283a year

    16% below the county

    55% below Colorado

    • Sterling
    • Logan
    • Colorado

  • Households that own their home

    56%

    10 points below the county

    10 points below Colorado

    • Sterling
    • Logan
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$244,568
0.5% more than 12 months ago
Typical rent
$1,172 a month

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

Sterling is in Logan County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Logan County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sterling apart

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

  1. Sterling has the lowest typical household income of the 113 cities in Colorado with more than 5,000 people: $43,283.

  2. Sterling has the 4th lowest typical home value of the 110 cities in Colorado with more than 5,000 people ($217,400).

  3. Nearby, in Brush, the typical rent is $692: 33% less than in Sterling ($1,031).

  4. 56% of households in Sterling own their home, against 66% in Logan County.

  5. Sterling has the 9th lowest typical rent of the 109 cities in Colorado with more than 5,000 people ($1,031).

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

The homes here

Housing in Sterling

What homes there are in Sterling, 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

Detached houses are the majority in Sterling (66%), but less so than in Logan County (74%).

Year built

By age, homes in Sterling look like those in Logan County: the typical year built is 1961.

There are fewer big homes in Sterling than in Logan County: 47% have 3 bedrooms or more, against 58%.

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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Sterling sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,431 a month

Logan County: $1,638 a month

Without a mortgage

$502 a month

Logan County: $548 a month

Owners with a mortgage

54%

Logan County: 53%

The typical cost for an owner with a mortgage in Sterling is $1,431 a month, less than in Logan County ($1,638); without one, $502.

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 Sterling rose 59% since 2015–2019, more than in Logan County (55%).

Rents in Sterling rose at about the same pace as in Logan County: 31% since 2015–2019, against 29%.

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

MeasureSterlingLogan 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 estimate3.6%2.4%3.4%
People per household 2.172.262.422.53
Drive alone 75%76%65%69%
Carpool 9%9%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 9%9%21%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Logan County, a household in Sterling has 2.17 people on average.

To get to work, 75% of workers in Sterling drive alone; in Logan County, 76%.

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 Sterling?

A typical home costs more than the typical income allows

We start with a typical home in Sterling, worth $217,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Sterling, which is $43,283 a year. For that payment to be 28% of income, a household would need to earn about $73,316 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sterling. 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 $7,609 (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

$1,711

at 7.18% · 30 years

Loan amount
$213,462
Total interest
$307,122
Paid off in
November 2056

Includes $3,671 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,010 a month

  • Tight

    $1,010 to $1,298 a month

  • Hard

    more than $1,298 a month

    Your payment · 47%

Compared with the typical household income in Sterling ($43,283 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,711
Principal & interest$1,446
Property tax$78
Home insurance$91
FHA mortgage insurance (MIP)$96

You need at least $7,609 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

Sterling and Logan County

Sterling is in Logan 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).

Sterling's own numbers

Typical home value
$217,400
Typical monthly rent
$1,031
Typical yearly household income
$43,283
Households that own their home
56%
Effective property tax rate
0.43%

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

Numbers for all of Logan County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,249
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
29%

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 Logan County.

Everything about Logan County

Buying

Buying a home in Sterling

A typical home in Sterling is worth $217,400: 11% below the county and 60% below Colorado. With the typical household income in Sterling ($43,283 a year), a typical home costs 5.0 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.

  • Sterling 5.0 years
  • Logan 4.7 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Logan County

According to FHFA’s house price index, home prices in Logan County rose 100% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) +5.7% +0.1% +2.9%
5 years (2020–2025) +48% +38% +47%
10 years (2015–2025) +100% +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

Sterling next to Logan 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
  • Sterling $217,400
  • Logan $245,300
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Sterling $1,031
  • Logan $1,013
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Sterling $43,283
  • Logan $51,829
  • Colorado $95,470
  • United States $80,734
See the full table
Sterling next to Logan County and Colorado
Measure Sterling Logan County Colorado U.S.
Typical home value $217,400 $245,300 $539,400 $332,700
Typical monthly rent $1,031 $1,013 $1,761 $1,413
Typical yearly household income $43,283 $51,829 $95,470 $80,734
Households that own their home 56% 66% 66% 65%
Typical yearly property tax $939 $1,132 $2,602 $3,119
Effective property tax rate 0.43% 0.46% 0.48% 0.94%
Renters with high rent for their income 51% 49% 53% 51%

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

For a typical $217,400 home in Sterling, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sterling's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,711a month

    Least cash to close
    Down payment
    $7,609
    Cash to close
    $14,131
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $96

  • Conventional, 5% down $1,671a month

    Down payment
    $10,870
    Cash to close
    $17,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $103

  • Conventional, 20% down, no PMI $1,347a month

    Down payment
    $43,480
    Cash to close
    $50,002
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,548a month

    Down payment
    $32,610
    Cash to close
    $39,132
    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 Sterling and for Logan County.

Property tax

Effective rate in Sterling

0.43%of the home’s value each year

$939 a year for the typical owner in Sterling.

  • Sterling 0.43%
  • Logan 0.46%
  • 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 Logan County

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

Homes in the high-risk zone
29%
2,708
Of those, with NFIP insurance
6.3%
County Colorado U.S.
Homes in the high-risk zone 29% 1.1% 3.5%
Of those, with NFIP insurance 6.3% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sterling

Typical rent in Sterling is $1,031 a month: about the same as the county. In Sterling, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Logan County, by unit size. To pay the 2-bedroom one ($1,249 a month) without spending more than 30% of your income, you would need to earn $24.02 an hour working full time.

HUD fair market rent for all of Logan 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 $928 $17.85 $37,120
1 bedroom $955 $18.37 $38,200
2 bedrooms $1,249 $24.02 $49,960
3 bedrooms $1,650 $31.73 $66,000
4 bedrooms $1,707 $32.83 $68,280

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 Sterling

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sterling is in ZIP code 80751.

For 2 bedrooms it is $1,250: $1 more than the fair market rent for Logan County ($1,249).

  • 80751 $1,250$1,650

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

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

  • Sterling 441 Macgregor Rd, Sterling 80751 110 low-income homes · Run by Housing Authority of the City of Sterling · Average payment: $346 a month · Average wait: 5 months (970) 522-0869
  • Maclaren House 435 Macgregor Rd, Sterling 80751 54 low-income homes · For older adults (970) 522-0869
  • Northeast Plaza 1212 Phelps St, Sterling 80751 47 low-income homes · In service since 2006 · For families (970) 522-2242
  • Whitcomb Apts 1503 Fillmore St, Sterling 80751 90 homes, 45 low-income · 1 bd: 12 · 2 bd: 66 · 3 bd: 12 · In service since 2000
  • Whitcomb Apartments 1507 Fillmore St, Sterling 80751 90 homes, 20 low-income · For families (970) 526-2188

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

Free help

Help to buy or rent in Sterling

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Sterling

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

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

  • Northeast Colorado Housing, Inc.

    801 S West St Apt 25, Fort Morgan · 42 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (970) 542-1221

  • Neighbor To Neighbor

    1550 Blue Spruce Dr, Fort Collins · 99 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (970) 484-7498

  • Oweesta Corporation

    2432 Main St, Longmont · 105 miles away

    (303) 774-8838

All counseling agencies in Colorado

Help in Spanish near Sterling

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 Sterling

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

  • Housing Authority of the City of Sterling Public housing (970) 522-0869

All housing agencies in Colorado Source: HUD

Cities

Nearby cities

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

Everything about Logan County Housing in Colorado

Neighboring counties

If Logan 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 Sterling.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Sterling

Short answers with the numbers for Sterling and all of Logan 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 Sterling?

The typical home value in Sterling is $217,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Logan County it is $245,300.

How much does it cost to rent in Sterling?

Typical rent in Sterling is $1,031 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Logan County is $1,249.

What is the FHA loan limit in Sterling?

Sterling uses the FHA limit for all of Logan County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Sterling?

The typical homeowner in Sterling pays $939 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Logan County, the rate is 0.46%.

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

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