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City · 8,941 residents · Larimer County, Colorado

Timnath , Colorado

In Timnath, a typical home is worth $730,100 and typical rent is $2,206 a month. Compared with all of Larimer County, typical household income is 90% higher, typical rent is 29% higher, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $730,100

    28% above the county

    35% above Colorado

    • Timnath
    • Larimer
    • Colorado

  • Typical rent

    $2,206a month

    29% above the county

    25% above Colorado

    • Timnath
    • Larimer
    • Colorado

  • Typical household income

    $178,257a year

    90% above the county

    87% above Colorado

    • Timnath
    • Larimer
    • Colorado

  • Households that own their home

    83%

    19 points above the county

    16 points above Colorado

    • Timnath
    • Larimer
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$670,401
1.4% less than 12 months ago
Typical rent
$2,932 a month
4.8% more than 12 months ago

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

Timnath is in Larimer County. The FHA loan limit ($634,800 for a one-unit home), the fair market rents and the help on this page are those of all of Larimer County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Timnath apart

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

  1. The typical household income in Timnath is $178,257, 90% more than in Larimer County as a whole ($93,765).

  2. 83% of households in Timnath own their home, against 64% in Larimer County.

  3. Nearby, in Wellington, the typical home value is $464,200: 36% less than in Timnath ($730,100).

  4. The typical rent in Timnath is $2,206 a month, 29% more than in Larimer County as a whole ($1,716).

  5. Nearby, in Fort Collins, the typical rent is $1,690: 23% less than in Timnath ($2,206).

  6. The typical home in Timnath is worth $730,100, 28% more than in Larimer County as a whole ($569,100).

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

The homes here

Housing in Timnath

What homes there are in Timnath, 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 rules in Timnath: 82% of homes, more than in Larimer County (64%).

Year built

Homes in Timnath are newer: the typical year built is 2016; in Larimer County, 1993.

There is more room for a big family here: 85% of homes have 3 bedrooms or more, against 66% in Larimer 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

$2,868 a month

Larimer County: $2,305 a month

Without a mortgage

$833 a month

Larimer County: $681 a month

Owners with a mortgage

88%

Larimer County: 68%

Owning costs more in Timnath: with a mortgage, the typical cost is $2,868 a month; in Larimer County, $2,305. Without one, $833.

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

From 2015–2019 to 2020–2024, the typical home value in Timnath rose 45%; in Larimer County, it rose 56%.

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

MeasureTimnathLarimer CountyColoradoUnited States
Rental vacancy Unreliable estimate3.3%5.1%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.3%2.4%3.4%
People per household 2.892.312.422.53
Drive alone 68%66%65%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate5%3%3%
Work from home 28%21%21%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Timnath are bigger: 2.89 people on average; in Larimer County, 2.31.

Working from home is more common in Timnath: 28%, against 21% in Larimer County.

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 Timnath?

A typical home costs more than the typical income allows

We start with a typical home in Timnath, worth $730,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Timnath, which is $178,257 a year. For that payment to be 28% of income, a household would need to earn about $254,302 a year. Note: at that price the loan is above the FHA limit for Larimer County ($634,800), so FHA would not insure it; the payment is only a reference.

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

Your numbers

Local data
$

Starts at the typical home value in Timnath. 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 $25,554 (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

$5,934

at 7.18% · 30 years

Loan amount
$716,876
Total interest
$1,031,416
Paid off in
November 2056

Includes $12,330 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,159 a month

  • Tight

    $4,159 to $5,348 a month

  • Hard

    more than $5,348 a month

    Your payment · 40%

Compared with the typical household income in Timnath ($178,257 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,934
Principal & interest$4,856
Property tax$450
Home insurance$304
FHA mortgage insurance (MIP)$323

This loan is over the FHA limit

You'd borrow $704,546, but the FHA limit for a one-unit home in Timnath is $634,800. You'd need a bigger down payment or a different loan.

You need at least $25,554 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

Timnath and Larimer County

Timnath is in Larimer 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).

Timnath's own numbers

Typical home value
$730,100
Typical monthly rent
$2,206
Typical yearly household income
$178,257
Households that own their home
83%
Effective property tax rate
0.74%

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

Numbers for all of Larimer County

FHA limit, one-unit home
$634,800
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,759
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
0.9%

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 Larimer County.

Everything about Larimer County

Buying

Buying a home in Timnath

A typical home in Timnath is worth $730,100: 28% above the county and 35% above Colorado. With the typical household income in Timnath ($178,257 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.

  • Timnath 4.1 years
  • Larimer 6.1 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Larimer County

According to FHFA’s house price index, home prices in Larimer County rose 94% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) +0.3% +0.1% +2.9%
5 years (2020–2025) +40% +38% +47%
10 years (2015–2025) +94% +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

Timnath next to Larimer 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
  • Timnath $730,100
  • Larimer $569,100
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Timnath $2,206
  • Larimer $1,716
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Timnath $178,257
  • Larimer $93,765
  • Colorado $95,470
  • United States $80,734
See the full table
Timnath next to Larimer County and Colorado
Measure Timnath Larimer County Colorado U.S.
Typical home value $730,100 $569,100 $539,400 $332,700
Typical monthly rent $2,206 $1,716 $1,761 $1,413
Typical yearly household income $178,257 $93,765 $95,470 $80,734
Households that own their home 83% 64% 66% 65%
Typical yearly property tax $5,381 $2,832 $2,602 $3,119
Effective property tax rate 0.74% 0.5% 0.48% 0.94%
Renters with high rent for their income 46% 55% 53% 51%

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

For a typical $730,100 home in Timnath, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Timnath's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,934a month

    Above the FHA limit for Larimer County ($634,800)
    Down payment
    $25,554
    Cash to close
    $47,457
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $323

  • Conventional, 5% down $5,800a month

    Least cash to close
    Down payment
    $36,505
    Cash to close
    $58,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $347

  • Conventional, 20% down, no PMI $4,711a month

    Down payment
    $146,020
    Cash to close
    $167,923
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,386a month

    Down payment
    $109,515
    Cash to close
    $131,418
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Timnath and for Larimer County.

Property tax

Effective rate in Timnath

0.74%of the home’s value each year

$5,381 a year for the typical owner in Timnath.

  • Timnath 0.74%
  • Larimer 0.5%
  • 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 Larimer County

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

Homes in the high-risk zone
0.9%
1,148
Of those, with NFIP insurance
18%
County Colorado U.S.
Homes in the high-risk zone 0.9% 1.1% 3.5%
Of those, with NFIP insurance 18% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Timnath

Typical rent in Timnath is $2,206 a month: 29% above the county. In Timnath, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Larimer County, by unit size. To pay the 2-bedroom one ($1,759 a month) without spending more than 30% of your income, you would need to earn $33.83 an hour working full time.

HUD fair market rent for all of Larimer 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 $1,551 $29.83 $62,040
1 bedroom $1,589 $30.56 $63,560
2 bedrooms $1,759 $33.83 $70,360
3 bedrooms $2,379 $45.75 $95,160
4 bedrooms $2,576 $49.54 $103,040

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 Timnath

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Timnath is in ZIP code 80547.

For 2 bedrooms it is $2,070: $311 more than the fair market rent for Larimer County ($1,759).

  • 80547 $2,070$2,800

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

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 Larimer County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Timnath

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

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

  • Neighbor To Neighbor

    1550 Blue Spruce Dr, Fort Collins · 8 miles away · Spanish

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

  • Oweesta Corporation

    2432 Main St, Longmont · 24 miles away

    (303) 774-8838

  • Operation Hope-Commerce City Co

    6565 E 73rd Ave, Commerce City · 49 miles away

    • Homelessness services
    • Pre-purchase counseling
    • and 1 more
    (571) 544-2282

Every agency in Larimer County All counseling agencies in Colorado

Help in Spanish near Timnath

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 Timnath

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

3 other authorities have an office in Larimer County: see the list Source: HUD

Cities

Other cities in Larimer County

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

Everything about Larimer County Housing in Colorado

Nearby cities

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

Neighboring counties

If Larimer 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 Timnath.

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

Questions

Housing questions about Timnath

Short answers with the numbers for Timnath and all of Larimer 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 Timnath?

The typical home value in Timnath is $730,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Larimer County it is $569,100.

How much does it cost to rent in Timnath?

Typical rent in Timnath is $2,206 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Larimer County is $1,759.

What is the FHA loan limit in Timnath?

Timnath uses the FHA limit for all of Larimer County (2026): $634,800 for a one-unit home and $1,220,800 for a four-unit home.

How much property tax do owners pay in Timnath?

The typical homeowner in Timnath pays $5,381 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Larimer County, the rate is 0.5%.

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

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