In Todd Creek, a typical home is worth $897,200. Compared with all of Adams County, typical household income is 106% higher, the typical home value is 85% higher, and the share of households that own their home is 30 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $825,657 to $924,296.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Todd Creek 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
Todd Creek has the highest homeownership rate of the 111 cities in Colorado with more than 5,000 people: 98%.
2
The typical household income in Todd Creek is $194,362,106% more than in Adams County as a whole ($94,571).
3
The typical home in Todd Creek is worth $897,200,85% more than in Adams County as a whole ($484,200).
4
Nearby, in Northglenn, the typical home value is $462,100: 48% less than in Todd Creek ($897,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Todd Creek
What homes there are in Todd Creek, 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
Todd Creek
Adams County
Colorado
United States
Kind of home: Todd Creek and its comparisons
Measure
Todd Creek
Adams County
Colorado
United States
Detached house
99%
62%
61%
61%
Attached house
Unreliable estimate
9%
8%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
20%
23%
19%
Mobile home
Unreliable estimate
5%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Todd Creek: 99% of homes, more than in Adams County (62%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Todd Creek
Adams County
Colorado
United States
Year built: Todd Creek and its comparisons
Measure
Todd Creek
Adams County
Colorado
United States
Before 1960
Unreliable estimate
13%
16%
26%
1960–1979
Unreliable estimate
23%
24%
24%
1980–1999
10%
26%
28%
25%
2000–2009
56%
21%
17%
14%
2010 or later
26%
17%
16%
11%
Here half of the homes date from 2006 or later; in Adams County, from 1991 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750K15%
$750K–$1M55%
$1M or more28%
Value of owner-occupied homes: Todd Creek and its comparisons
Measure
Todd Creek
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable
$300K–$500K
Unreliable estimate
$500K–$750K
15%
$750K–$1M
55%
$1M or more
28%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Todd Creek and its comparisons
Measure
Todd Creek
Under $500
Unreliable estimate
$500–$999
Unreliable
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$3,619 a month
Adams County: $2,378 a month
Without a mortgage
$1,102 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 Todd Creek is $3,619 a month, more than in Adams County ($2,378); without one, $1,102.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Todd Creek+48%
Adams County+57%
Colorado+57%
United States+53%
Typical household income
Todd Creek+30%
Adams County+33%
Colorado+32%
United States+29%
Change since 2015–2019: Todd Creek and its comparisons
Measure
Todd Creek
Adams County
Colorado
United States
Typical home value
+48%
+57%
+57%
+53%
Typical rent
No data
+32%
+39%
+33%
Typical household income
+30%
+33%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Todd Creek rose 48%; in Adams County, it rose 57%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Todd Creek and its comparisons
Measure
Todd Creek
Adams County
Colorado
United States
Rental vacancy
Unreliable estimate
3.5%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
4.2%
2.4%
3.4%
People per household
3.00
2.79
2.42
2.53
Drive alone
59%
70%
65%
69%
Carpool
Unreliable estimate
10%
8%
9%
Public transit
Unreliable estimate
2%
2%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
29%
15%
21%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Todd Creek are bigger: 3.00 people on average; in Adams County, 2.79.
In Todd Creek, 29% of workers work from home, more than in Adams County (15%).
Do the math
What would you pay each month for a home in Todd Creek?
A typical home costs more than the typical income allows
We start with a typical home in Todd Creek, worth $897,200, 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 Todd Creek, which is $194,362 a year. For that payment to be 28% of income, a household would need to earn about $315,165 a year. Note: at that price the loan is above the FHA limit for Adams County ($862,500), 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 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 Todd Creek. 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 $31,402 (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
$7,354
at 7.18% · 30 years
Loan amount
$880,949
Total interest
$1,267,480
Paid off in
November 2056
Includes $15,151 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $4,535 a month
Tight
$4,535 to $5,831 a month
Hard
more than $5,831 a month
Your payment · 45%
Compared with the typical household income in Todd Creek ($194,362 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,968
Property tax
$471
Home insurance
$374
FHA mortgage insurance (MIP)
$541
This loan is over the FHA limit
You'd borrow $865,798, but the FHA limit for a one-unit home in Todd Creek is $862,500. You'd need a bigger down payment or a different loan.
You need at least $31,402 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 $7,354; principal and interest $5,968.
The city and its county
Todd Creek and Adams County
Todd Creek 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).
Todd Creek
Map of Adams County, Colorado, with Todd Creek marked. Around it, the neighboring counties.
Todd Creek
Adams County
Other cities with a page
Todd Creek's own numbers
Typical home value
$897,200
Typical yearly household income
$194,362
Households that own their home
98%
Effective property tax rate
0.63%
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 Todd Creek is worth $897,200: 85% above the county and 66% above Colorado. With the typical household income in Todd Creek ($194,362 a year), a typical home costs 4.6 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.
Todd Creek4.6 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
Todd Creek 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
Todd Creek$897,200
Adams$484,200
Colorado$539,400
United States$332,700
Typical yearly household income
Todd Creek$194,362
Adams$94,571
Colorado$95,470
United States$80,734
See the full table
Todd Creek next to Adams County and Colorado
Measure
Todd Creek
Adams County
Colorado
U.S.
Typical home value
$897,200 ▲85% above the county
$484,200
$539,400
$332,700
Typical yearly household income
$194,362 ▲106% above the county
$94,571
$95,470
$80,734
Households that own their home
98% ▲30 points above the county
69%
66%
65%
Typical yearly property tax
$5,682 ▲92% above the county
$2,962
$2,602
$3,119
Effective property tax rate
0.63% ▲0.02 points above the county
0.61%
0.48%
0.94%
“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 Todd Creek
For a typical $897,200 home in Todd Creek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Todd Creek's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$7,354a month
Above the FHA limit for Adams County ($862,500)
Down payment
$31,402
Cash to close
$58,318
Rate
7.18%
Mortgage insurance
FHA MIP · $541
Conventional, 5% down$7,045a month
Least cash to close
Down payment
$44,860
Cash to close
$71,776
Rate
7.18%
Mortgage insurance
PMI · $426
Conventional, 20% down, no PMI$5,707a month
Down payment
$179,440
Cash to close
$206,356
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,537a month
Down payment
$134,580
Cash to close
$161,496
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Todd Creek
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Adams County ($862,500)
$7,354
$31,402
$880,949
7.18%
FHA MIP · $541
$58,318
580
Conventional, 5% down Least cash to close
$7,045
$44,860
$852,340
7.18%
PMI · $426
$71,776
620*
Conventional, 20% down, no PMI
$5,707
$179,440
$717,760
7.18%
None
$206,356
620*
ITIN, 15% down (example)
$6,537
$134,580
$762,620
8.18%
None
$161,496
Set by the lender
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.
The Census Bureau publishes no typical rent for Todd Creek. Below are the fair market rents for Adams County.
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 Todd Creek
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Todd Creek is in ZIP code 80602.
For 2 bedrooms it is $2,950: $781 more than the fair market rent for Adams County ($2,169).
Fair market rent by ZIP code and size in Todd Creek, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
80602
$2,380
$2,490
$2,950
$3,870
$4,330
ZIP code2 bd3 bd
80602 $2,950$3,870
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Todd Creek 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)
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 Todd Creek or Adams County. The ones below are statewide in Colorado: they work in Todd Creek 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 Todd Creek 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 Todd Creek 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 Todd Creek?
The typical home value in Todd Creek is $897,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Adams County it is $484,200.
What is the FHA loan limit in Todd Creek?
Todd Creek 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 Todd Creek?
The typical homeowner in Todd Creek pays $5,682 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Adams County, the rate is 0.61%.
Where can I find free help to buy or rent in Todd Creek?
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.
