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City · 11,871 residents · Douglas County, Colorado

The Pinery , Colorado

In The Pinery, a typical home is worth $791,100 and typical rent is $2,910 a month. Compared with all of Douglas County, typical rent is 33% higher, typical household income is 30% higher, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $791,100

    11% above the county

    47% above Colorado

    • The Pinery
    • Douglas
    • Colorado

  • Typical rent

    $2,910a month

    33% above the county

    65% above Colorado

    • The Pinery
    • Douglas
    • Colorado

  • Typical household income

    $194,446a year

    30% above the county

    104% above Colorado

    • The Pinery
    • Douglas
    • Colorado

  • Households that own their home

    96%

    18 points above the county

    29 points above Colorado

    • The Pinery
    • Douglas
    • Colorado

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

The Pinery 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 The Pinery apart

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

  1. The Pinery has the 2nd highest typical household income of the 113 cities in Colorado with more than 5,000 people ($194,446).

  2. The Pinery has the 2nd highest typical rent of the 109 cities in Colorado with more than 5,000 people ($2,910).

  3. The Pinery has the 5th highest homeownership rate of the 111 cities in Colorado with more than 5,000 people (96%).

  4. Nearby, in Castle Rock, the typical rent is $2,000: 31% less than in The Pinery ($2,910).

  5. Nearby, in Stonegate, the typical home value is $641,600: 19% less than in The Pinery ($791,100).

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

The homes here

Housing in The Pinery

What homes there are in The Pinery, 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 The Pinery, 10 in 10 homes are single-family detached houses; in Douglas County, 7.

Year built

The typical home in The Pinery was built in 1994, 8 years before the typical one in Douglas County.

In The Pinery, 97% of homes have 3 bedrooms or more, more than in Douglas County (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

$2,946 a month

Douglas County: $2,893 a month

Without a mortgage

$924 a month

Douglas County: $864 a month

Owners with a mortgage

77%

Douglas County: 78%

Owning costs about the same in The Pinery as in Douglas County: with a mortgage, $2,946 a month; without one, $924.

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 The Pinery rose 57% since 2015–2019, more than in Douglas County (52%).

Rents in The Pinery rose faster than in Douglas County: 51% since 2015–2019, against 27%.

While home values in The Pinery changed +57% and rent +51%, the typical household income rose 52%.

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

MeasureThe PineryDouglas 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 2.962.692.422.53
Drive alone 57%62%65%69%
Carpool 7%5%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 34%31%21%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in The Pinery are bigger: 2.96 people on average; in Douglas County, 2.69.

In The Pinery, 34% of workers work from home, more than in Douglas County (31%).

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 The Pinery?

A typical home costs more than the typical income allows

We start with a typical home in The Pinery, worth $791,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in The Pinery, which is $194,446 a year. For that payment to be 28% of income, a household would need to earn about $269,051 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 The Pinery. 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 $27,689 (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

$6,278

at 7.18% · 30 years

Loan amount
$776,771
Total interest
$1,117,591
Paid off in
November 2056

Includes $13,360 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,537 a month

  • Tight

    $4,537 to $5,833 a month

  • Hard

    more than $5,833 a month

    Your payment · 39%

Compared with the typical household income in The Pinery ($194,446 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,278
Principal & interest$5,262
Property tax$336
Home insurance$330
FHA mortgage insurance (MIP)$350

You need at least $27,689 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

The Pinery and Douglas County

The Pinery 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).

The Pinery's own numbers

Typical home value
$791,100
Typical monthly rent
$2,910
Typical yearly household income
$194,446
Households that own their home
96%
Effective property tax rate
0.51%

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 The Pinery

A typical home in The Pinery is worth $791,100: 11% above the county and 47% above Colorado. With the typical household income in The Pinery ($194,446 a year), a typical home costs 4.1 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.

  • The Pinery 4.1 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

The Pinery 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
  • The Pinery $791,100
  • Douglas $713,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • The Pinery $2,910
  • Douglas $2,193
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • The Pinery $194,446
  • Douglas $149,594
  • Colorado $95,470
  • United States $80,734
See the full table
The Pinery next to Douglas County and Colorado
Measure The Pinery Douglas County Colorado U.S.
Typical home value $791,100 $713,600 $539,400 $332,700
Typical monthly rent $2,910 $2,193 $1,761 $1,413
Typical yearly household income $194,446 $149,594 $95,470 $80,734
Households that own their home 96% 77% 66% 65%
Typical yearly property tax $4,047 $3,947 $2,602 $3,119
Effective property tax rate 0.51% 0.55% 0.48% 0.94%

“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 The Pinery

For a typical $791,100 home in The Pinery, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, The Pinery's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,278a month

    Least cash to close
    Down payment
    $27,689
    Cash to close
    $51,422
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $350

  • Conventional, 5% down $6,133a month

    Down payment
    $39,555
    Cash to close
    $63,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $376

  • Conventional, 20% down, no PMI $4,953a month

    Down payment
    $158,220
    Cash to close
    $181,953
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,685a month

    Down payment
    $118,665
    Cash to close
    $142,398
    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 The Pinery and for Douglas County.

Property tax

Effective rate in The Pinery

0.51%of the home’s value each year

$4,047 a year for the typical owner in The Pinery.

  • The Pinery 0.51%
  • 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 The Pinery

Typical rent in The Pinery is $2,910 a month: 33% above the county.

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 The Pinery

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). The Pinery is in ZIP code 80134.

For 2 bedrooms it is $2,420: $251 more than the fair market rent for Douglas County ($2,169).

  • 80134 $2,420$3,180

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

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 The Pinery

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

The HUD-approved agencies closest to the center of The Pinery, 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 · 9 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 · 19 miles away · Spanish

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

  • Northeast Denver Housing Center

    2416 E Colfax Ave, Denver · 23 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (303) 399-9337

Every agency in Douglas County All counseling agencies in Colorado

Help in Spanish near The Pinery

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 The Pinery

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 The Pinery, 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 The Pinery.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about The Pinery

Short answers with the numbers for The Pinery 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 The Pinery?

The typical home value in The Pinery is $791,100, 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 The Pinery?

Typical rent in The Pinery is $2,910 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 The Pinery?

The Pinery 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 The Pinery?

The typical homeowner in The Pinery pays $4,047 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Douglas County, the rate is 0.55%.

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

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).