In Thornton, a typical home is worth $517,500 and typical rent is $1,895 a month. Compared with all of Adams County, typical household income is 9% higher and the typical home value is 7% higher.
Typical home value from Zillow, September 2021 to September 2026: from $469,383 to $489,037.
Typical rent
$1,894a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,745 to $1,894.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Thornton is in Adams 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 Adams County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Federal Heights, the typical home value is $95,300: 82% less than in Thornton ($517,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Thornton
What homes there are in Thornton, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Thornton
Adams County
Colorado
United States
Kind of home: Thornton and its comparisons
Measure
Thornton
Adams County
Colorado
United States
Detached house
62%
62%
61%
61%
Attached house
11%
9%
8%
6%
Building of 2 to 4
3%
4%
5%
8%
Apartments (5 or more)
20%
20%
23%
19%
Mobile home
5%
5%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Thornton: 62% of homes, near the figure in Adams County (62%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Thornton
Adams County
Colorado
United States
Year built: Thornton and its comparisons
Measure
Thornton
Adams County
Colorado
United States
Before 1960
5%
13%
16%
26%
1960–1979
17%
23%
24%
24%
1980–1999
33%
26%
28%
25%
2000–2009
26%
21%
17%
14%
2010 or later
19%
17%
16%
11%
Homes in Thornton are newer: the typical year built is 1997; in Adams County, 1991.
Homes in Thornton are bigger: 69% have 3 bedrooms or more; in Adams County, 65%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K7%
$100K–$200K2%
$200K–$300K3%
$300K–$500K35%
$500K–$750K43%
$750K–$1M9%
FHA limit: $862,500
$1M or more1%
Value of owner-occupied homes: Thornton and its comparisons
Measure
Thornton
Under $100K
7%
$100K–$200K
2%
$200K–$300K
3%
$300K–$500K
35%
$500K–$750K
43%
$750K–$1M
9%
$1M or more
1%
The FHA loan limit for Adams County is $862,500, and about 94% of owner-occupied homes in Thornton are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49912%
$1,500–$1,99940%
$2,000–$2,49926%
$2,500–$2,99910%
$3,000 or more5%
Monthly rent with utilities: Thornton and its comparisons
Measure
Thornton
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
12%
$1,500–$1,999
40%
$2,000–$2,499
26%
$2,500–$2,999
10%
$3,000 or more
5%
With a mortgage
$2,381 a month
Adams County: $2,378 a month
Without a mortgage
$710 a month
Adams County: $682 a month
Owners with a mortgage
76%
Adams County: 72%
The typical cost for an owner with a mortgage in Thornton is $2,381 a month, near the figure in Adams County ($2,378).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Thornton+61%
Adams County+57%
Colorado+57%
United States+53%
Typical rent
Thornton+27%
Adams County+32%
Colorado+39%
United States+33%
Typical household income
Thornton+30%
Adams County+33%
Colorado+32%
United States+29%
Change since 2015–2019: Thornton and its comparisons
Measure
Thornton
Adams County
Colorado
United States
Typical home value
+61%
+57%
+57%
+53%
Typical rent
+27%
+32%
+39%
+33%
Typical household income
+30%
+33%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Thornton rose 61%; in Adams County, it rose 57%.
Since 2015–2019, the typical rent in Thornton rose 27%, less than in Adams County (32%).
The typical household income in Thornton rose 30% over that time; home values changed +61% and rent +27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Thornton and its comparisons
Measure
Thornton
Adams County
Colorado
United States
Rental vacancy
4.5%
3.5%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
3.4%
4.2%
2.4%
3.4%
People per household
2.84
2.79
2.42
2.53
Drive alone
71%
70%
65%
69%
Carpool
10%
10%
8%
9%
Public transit
2%
2%
2%
3%
Walk or bike
1%
1%
3%
3%
Work from home
15%
15%
21%
15%
Other means
1%
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Thornton look like those in Adams County: the rental vacancy rate is 4.5%.
Much as in Adams County, 3.4% of households in Thornton have more than one person per room.
Much as in Adams County, a household in Thornton has 2.84 people on average.
To get to work, 71% of workers in Thornton drive alone; in Adams County, 70%.
Do the math
What would you pay each month for a home in Thornton?
A typical home costs more than the typical income allows
We start with a typical home in Thornton, worth $517,500, 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 Thornton, which is $103,088 a year. For that payment to be 28% of income, a household would need to earn about $176,925 a year.
The calculator's FHA and conventional loan limits are those of all of Adams County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Thornton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $18,113 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$4,128
at 7.18% · 30 years
Loan amount
$508,126
Total interest
$731,074
Paid off in
November 2056
Includes $8,739 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,405 a month
Tight
$2,405 to $3,093 a month
Hard
more than $3,093 a month
Your payment · 48%
Compared with the typical household income in Thornton ($103,088 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,442
Property tax
$242
Home insurance
$216
FHA mortgage insurance (MIP)
$229
You need at least $18,113 for the down payment, plus closing costs.
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.
Total monthly payment $4,128; principal and interest $3,442.
The city and its county
Thornton and Adams County
Thornton is in Adams 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).
Thornton
Map of Adams County, Colorado, with Thornton marked. Around it, the neighboring counties.
Thornton
Adams County
Other cities with a page
Thornton's own numbers
Typical home value
$517,500
Typical monthly rent
$1,895
Typical yearly household income
$103,088
Households that own their home
71%
Effective property tax rate
0.56%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Adams 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)
+35%
Homes in a high flood-risk zone
0.3%
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 Adams County.
A typical home in Thornton is worth $517,500: 7% above the county and 4% below Colorado. With the typical household income in Thornton ($103,088 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.
Thornton5.0 years
Adams5.1 years
Colorado5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Adams County
According to FHFA’s house price index, home prices in Adams County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Adams County.
Yearly change in FHFA’s price index in Adams County, 2016 to 2025
2016: +13.5% +13.5% 2016
2017: +10.8% +10.8% 2017
2018: +9.4% +9.4% 2018
2019: +4.8% +4.8% 2019
2020: +3.1% +3.1% 2020
2021: +14.5% +14.5% 2021
2022: +16.0% +16.0% 2022
2023: +0.7% +0.7% 2023
2024: +2.0% +2.0% 2024
2025: −1.1% −1.1% 2025
Change in FHFA’s price index in Adams County, Colorado and the United States
Period
County
Colorado
U.S.
Last year (2025)
−1.1%
+0.1%
+2.9%
5 years (2020–2025)
+35%
+38%
+47%
10 years (2015–2025)
+101%
+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
Thornton next to Adams 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
Thornton$517,500
Adams$484,200
Colorado$539,400
United States$332,700
Typical monthly rent
Thornton$1,895
Adams$1,781
Colorado$1,761
United States$1,413
Typical yearly household income
Thornton$103,088
Adams$94,571
Colorado$95,470
United States$80,734
See the full table
Thornton next to Adams County and Colorado
Measure
Thornton
Adams County
Colorado
U.S.
Typical home value
$517,500 ▲7% above the county
$484,200
$539,400
$332,700
Typical monthly rent
$1,895 ▲6% above the county
$1,781
$1,761
$1,413
Typical yearly household income
$103,088 ▲9% above the county
$94,571
$95,470
$80,734
Households that own their home
71% ▲3 points above the county
69%
66%
65%
Typical yearly property tax
$2,911
$2,962
$2,602
$3,119
Effective property tax rate
0.56% ▼0.05 points below the county
0.61%
0.48%
0.94%
Renters with high rent for their income
59% ▲1 points above the county
57%
53%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Adams 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 Thornton
For a typical $517,500 home in Thornton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Thornton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,128a month
Least cash to close
Down payment
$18,113
Cash to close
$33,638
Rate
7.18%
Mortgage insurance
FHA MIP · $229
Conventional, 5% down$4,033a month
Down payment
$25,875
Cash to close
$41,400
Rate
7.18%
Mortgage insurance
PMI · $246
Conventional, 20% down, no PMI$3,262a month
Down payment
$103,500
Cash to close
$119,025
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,740a month
Down payment
$77,625
Cash to close
$93,150
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Thornton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,128
$18,113
$508,127
7.18%
FHA MIP · $229
$33,638
580
Conventional, 5% down
$4,033
$25,875
$491,625
7.18%
PMI · $246
$41,400
620*
Conventional, 20% down, no PMI
$3,262
$103,500
$414,000
7.18%
None
$119,025
620*
ITIN, 15% down (example)
$3,740
$77,625
$439,875
8.18%
None
$93,150
Set by the lender
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.
Typical rent in Thornton is $1,895 a month: 6% above the county. In Thornton, 59% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Adams 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Adams County (Fiscal year 2027)
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 Thornton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Thornton has 3 ZIP codes with their own.
For 2 bedrooms it runs from $2,090 in 80229 to $2,950 in 80602.
2 of the 3 are above the fair market rent for Adams County ($2,169).
2-bedroom fair market rent in each of the 3 ZIP codes of Thornton, beside the one for Adams County. For 2 bedrooms it runs from $2,090 in 80229 to $2,950 in 80602. 2 of the 3 are above the fair market rent for Adams County ($2,169).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,169
Lowest: $2,090 (80229)Highest: $2,950 (80602)
Fair market rent by ZIP code and size in Thornton, fiscal year 2027.
80229
$1,690
$1,760
$2,090
$2,740
$3,070
80241
$1,990
$2,080
$2,460
$3,230
$3,610
80602
$2,380
$2,490
$2,950
$3,870
$4,330
ZIP code2 bd3 bd
80229 $2,090$2,740
80241 $2,460$3,230
80602 $2,950$3,870
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Thornton 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 14 buildings with rents for lower incomes in Thornton. These are the largest.
Larkridge Apartments16198 Grant St, Thornton 80023338 low-income homes · 1 bd: 170 · 2 bd: 132 · 3 bd: 36 · In service since 2020 · For families
Reserve at Thornton I9700 Welby Rd, Thornton 80229216 low-income homes · 1 bd: 48 · 2 bd: 84 · 3 bd: 84 · In service since 2005 · For families
Village of Yorkshire Apts10370 Brendon Way, Thornton 80229200 low-income homes · 1 bd: 100 · 2 bd: 85 · 3 bd: 15 · In service since 2014 · For families
Renaissance 88 Apts388 E 88th Ave, Thornton 80229180 low-income homes · 1 bd: 18 · 2 bd: 72 · 3 bd: 72 · 4 bd: 18 · In service since 2007 · For families(303) 430-0157
Aztec Villas Apartments8675 Mariposa St, Thornton 80260164 low-income homes · 1 bd: 25 · 2 bd: 107 · 3 bd: 32 · In service since 2016 · For families
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 are 2 HUD-approved agencies with an office in Adams County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Thornton or Adams County. The ones below are statewide in Colorado: they work in Thornton the same as in the rest of the state.
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).
$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).
No legal help resource on our list is for Thornton or Adams County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Thornton and all of Adams 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 Thornton?
The typical home value in Thornton is $517,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Adams County it is $484,200.
How much does it cost to rent in Thornton?
Typical rent in Thornton is $1,895 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Adams County is $2,169.
What is the FHA loan limit in Thornton?
Thornton uses the FHA limit for all of Adams 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 Thornton?
The typical homeowner in Thornton pays $2,911 a year, according to the U.S. Census Bureau. That is 0.56% of the home’s value; in Adams County, the rate is 0.61%.
Where can I find free help to buy or rent in Thornton?
There are 2 HUD-approved counseling agencies with an office in Adams County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
