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City · 5,412 residents · El Paso County, Colorado

Stratmoor , Colorado

In Stratmoor, a typical home is worth $310,000 and typical rent is $1,324 a month. Compared with all of El Paso County, the typical home value is 33% lower and typical household income is 28% lower.

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  • Typical home value

    $310,000

    33% below the county

    43% below Colorado

    • Stratmoor
    • El Paso
    • Colorado

  • Typical rent

    $1,324a month

    22% below the county

    25% below Colorado

    • Stratmoor
    • El Paso
    • Colorado

  • Typical household income

    $65,000a year

    28% below the county

    32% below Colorado

    • Stratmoor
    • El Paso
    • Colorado

  • Households that own their home

    65%

    1 points below the county

    1 points below Colorado

    • Stratmoor
    • El Paso
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$315,913
1.5% less than 12 months ago
Typical rent
$1,869 a month
4.9% more than 12 months ago

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

Stratmoor is in El Paso County. The FHA loan limit ($541,650 for a one-unit home), the fair market rents and the help on this page are those of all of El Paso County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Stratmoor apart

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

  1. The typical home in Stratmoor is worth $310,000, 33% less than in El Paso County as a whole ($461,000).

  2. The typical household income in Stratmoor is $65,000, 28% less than in El Paso County as a whole ($90,363).

  3. The typical rent in Stratmoor is $1,324 a month, 22% less than in El Paso County as a whole ($1,696).

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

The homes here

Housing in Stratmoor

What homes there are in Stratmoor, 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 still the most common home in Stratmoor, but it weighs less than in El Paso County: 61% against 67%.

In Stratmoor there are many mobile homes: 15% of homes; in El Paso County, 3%.

Year built

The typical home in Stratmoor was built in 1977, 12 years before the typical one in El Paso 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

$1,602 a month

El Paso County: $2,145 a month

Without a mortgage

$331 a month

El Paso County: $623 a month

Owners with a mortgage

75%

El Paso County: 72%

In Stratmoor, 75% of owners have a mortgage, and their typical cost is $1,602 a month, against $2,145 in El Paso County. Without one it drops to $331.

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

Stratmoor does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in El Paso County the typical home value rose 68%.

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

MeasureStratmoorEl Paso CountyColoradoUnited States
Rental vacancy Unreliable estimate3.9%5.1%5.5%
Homeowner vacancy Unreliable estimate1.0%0.8%0.9%
More than one person per room Unreliable estimate1.9%2.4%3.4%
People per household 2.452.482.422.53
Drive alone 82%69%65%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate0%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate17%21%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in El Paso County, a household in Stratmoor has 2.45 people on average.

To get to work, 82% of workers in Stratmoor drive alone; in El Paso County, 69%.

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 Stratmoor?

A typical home costs more than the typical income allows

We start with a typical home in Stratmoor, worth $310,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Stratmoor, which is $65,000 a year. For that payment to be 28% of income, a household would need to earn about $104,544 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stratmoor. 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 $10,850 (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

$2,439

at 7.18% · 30 years

Loan amount
$304,385
Total interest
$437,939
Paid off in
November 2056

Includes $5,235 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,517 a month

  • Tight

    $1,517 to $1,950 a month

  • Hard

    more than $1,950 a month

    Your payment · 45%

Compared with the typical household income in Stratmoor ($65,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,439
Principal & interest$2,062
Property tax$111
Home insurance$129
FHA mortgage insurance (MIP)$137

You need at least $10,850 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

Stratmoor and El Paso County

Stratmoor is in El Paso 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).

Stratmoor's own numbers

Typical home value
$310,000
Typical monthly rent
$1,324
Typical yearly household income
$65,000
Households that own their home
65%
Effective property tax rate
0.43%

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

Numbers for all of El Paso County

FHA limit, one-unit home
$541,650
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,621
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
0.7%

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 El Paso County.

Everything about El Paso County

Buying

Buying a home in Stratmoor

A typical home in Stratmoor is worth $310,000: 33% below the county and 43% below Colorado. With the typical household income in Stratmoor ($65,000 a year), a typical home costs 4.8 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.

  • Stratmoor 4.8 years
  • El Paso 5.1 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in El Paso County

According to FHFA’s house price index, home prices in El Paso County rose 105% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) +0.5% +0.1% +2.9%
5 years (2020–2025) +39% +38% +47%
10 years (2015–2025) +105% +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

Stratmoor next to El Paso 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
  • Stratmoor $310,000
  • El Paso $461,000
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Stratmoor $1,324
  • El Paso $1,696
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Stratmoor $65,000
  • El Paso $90,363
  • Colorado $95,470
  • United States $80,734
See the full table
Stratmoor next to El Paso County and Colorado
Measure Stratmoor El Paso County Colorado U.S.
Typical home value $310,000 $461,000 $539,400 $332,700
Typical monthly rent $1,324 $1,696 $1,761 $1,413
Typical yearly household income $65,000 $90,363 $95,470 $80,734
Households that own their home 65% 66% 66% 65%
Typical yearly property tax $1,330 $1,874 $2,602 $3,119
Effective property tax rate 0.43% 0.41% 0.48% 0.94%
Renters with high rent for their income 48% 55% 53% 51%

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

For a typical $310,000 home in Stratmoor, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stratmoor's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,439a month

    Least cash to close
    Down payment
    $10,850
    Cash to close
    $20,150
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $137

  • Conventional, 5% down $2,383a month

    Down payment
    $15,500
    Cash to close
    $24,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $147

  • Conventional, 20% down, no PMI $1,920a month

    Down payment
    $62,000
    Cash to close
    $71,300
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,207a month

    Down payment
    $46,500
    Cash to close
    $55,800
    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 Stratmoor and for El Paso County.

Property tax

Effective rate in Stratmoor

0.43%of the home’s value each year

$1,330 a year for the typical owner in Stratmoor.

  • Stratmoor 0.43%
  • El Paso 0.41%
  • 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 El Paso County

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

Homes in the high-risk zone
0.7%
1,621
Of those, with NFIP insurance
27%
County Colorado U.S.
Homes in the high-risk zone 0.7% 1.1% 3.5%
Of those, with NFIP insurance 27% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stratmoor

Typical rent in Stratmoor is $1,324 a month: 22% below the county. In Stratmoor, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of El Paso County, by unit size. To pay the 2-bedroom one ($1,621 a month) without spending more than 30% of your income, you would need to earn $31.17 an hour working full time.

HUD fair market rent for all of El Paso 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 $1,129 $21.71 $45,160
1 bedroom $1,380 $26.54 $55,200
2 bedrooms $1,621 $31.17 $64,840
3 bedrooms $2,245 $43.17 $89,800
4 bedrooms $2,574 $49.50 $102,960

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 Stratmoor

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

For 2 bedrooms it runs from $1,670 in 80911 to $1,700 in 80906.

2 of the 2 are above the fair market rent for El Paso County ($1,621).

  • 80906 $1,700$2,350
  • 80911 $1,670$2,310

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

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 El Paso County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Stratmoor

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

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

  • Community Economic Defense Project Cedp- Colorado Springs

    1520 Verde Dr, Colorado Springs · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 1 more
    (303) 276-5705

  • Upper Arkansas Area Council of Governments

    3224 Independence Rd Unit A, Canon City · 32 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (719) 269-7687

  • Neighborworks Southern Colorado

    1241 E Routt Ave, Pueblo · 37 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (719) 544-8078

Every agency in El Paso County All counseling agencies in Colorado

Help in Spanish near Stratmoor

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 Stratmoor

In HUD’s record, no housing authority with an office in El Paso County is named for Stratmoor or El Paso County.

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

Cities

Other cities in El Paso County

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

Everything about El Paso County Housing in Colorado

Nearby cities

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

Neighboring counties

If El Paso 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 Stratmoor.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Stratmoor

Short answers with the numbers for Stratmoor and all of El Paso 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 Stratmoor?

The typical home value in Stratmoor is $310,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in El Paso County it is $461,000.

How much does it cost to rent in Stratmoor?

Typical rent in Stratmoor is $1,324 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in El Paso County is $1,621.

What is the FHA loan limit in Stratmoor?

Stratmoor uses the FHA limit for all of El Paso County (2026): $541,650 for a one-unit home and $1,041,650 for a four-unit home.

How much property tax do owners pay in Stratmoor?

The typical homeowner in Stratmoor pays $1,330 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in El Paso County, the rate is 0.41%.

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

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