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City · 8,286 residents · Las Animas County, Colorado

Trinidad , Colorado

In Trinidad, a typical home is worth $226,800 and typical rent is $910 a month. Compared with all of Las Animas County, the share of households that own their home is 8 points lower.

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  • Typical home value

    $226,800

    5% below the county

    58% below Colorado

    • Trinidad
    • Las Animas
    • Colorado

  • Typical rent

    $910a month

    2% above the county

    48% below Colorado

    • Trinidad
    • Las Animas
    • Colorado

  • Typical household income

    $52,273a year

    About the same as the county

    45% below Colorado

    • Trinidad
    • Las Animas
    • Colorado

  • Households that own their home

    60%

    8 points below the county

    6 points below Colorado

    • Trinidad
    • Las Animas
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$226,964
6.1% less than 12 months ago
Typical rent
$1,194 a month

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

Trinidad is in Las Animas County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Las Animas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Trinidad apart

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

  1. Trinidad has the 5th lowest typical household income of the 113 cities in Colorado with more than 5,000 people ($52,273).

  2. Trinidad has the 5th lowest typical rent of the 109 cities in Colorado with more than 5,000 people ($910).

  3. Trinidad has the 6th lowest typical home value of the 110 cities in Colorado with more than 5,000 people ($226,800).

  4. Nearby, in La Junta, the typical rent is $642: 29% less than in Trinidad ($910).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Trinidad fell 6.1%; in Colorado, it fell 1.3%.

  6. 60% of households in Trinidad own their home, against 69% in Las Animas County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Trinidad

What homes there are in Trinidad, 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 Trinidad, but it weighs less than in Las Animas County: 72% against 77%.

Year built

Homes in Trinidad are older: the typical year built is 1953; in Las Animas County, 1972.

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

With an FHA limit of $541,287, at least 95% of owner-occupied homes in Trinidad sit below it: they are worth less than $500,000.

Monthly rent with utilities

About 75% of rented homes in Trinidad cost less than HUD's 2-bedroom fair market rent for Las Animas County ($1,291).

With a mortgage

$1,354 a month

Las Animas County: $1,480 a month

Without a mortgage

$398 a month

Las Animas County: $431 a month

Owners with a mortgage

58%

Las Animas County: 51%

Owning costs less in Trinidad: with a mortgage, the typical cost is $1,354 a month; in Las Animas County, $1,480. Without one, $398.

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 Trinidad rose 68% since 2015–2019, more than in Las Animas County (57%).

Since 2015–2019, the typical rent in Trinidad rose 30%, more than in Las Animas County (25%).

While home values in Trinidad changed +68% and rent +30%, the typical household income rose 41%.

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

MeasureTrinidadLas Animas CountyColoradoUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.4%3.4%
People per household 2.122.092.422.53
Drive alone 65%65%65%69%
Carpool 18%15%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 6%5%3%3%
Work from home 7%12%21%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Las Animas County, a household in Trinidad has 2.12 people on average.

To get to work, 65% of workers in Trinidad drive alone; in Las Animas County, 65%.

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 Trinidad?

A typical home costs more than the typical income allows

We start with a typical home in Trinidad, worth $226,800, 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 Trinidad, which is $52,273 a year. For that payment to be 28% of income, a household would need to earn about $75,028 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Trinidad. 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 $7,938 (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

$1,751

at 7.18% · 30 years

Loan amount
$222,692
Total interest
$320,402
Paid off in
November 2056

Includes $3,830 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,220 a month

  • Tight

    $1,220 to $1,568 a month

  • Hard

    more than $1,568 a month

    Your payment · 40%

Compared with the typical household income in Trinidad ($52,273 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,751
Principal & interest$1,509
Property tax$47
Home insurance$95
FHA mortgage insurance (MIP)$100

You need at least $7,938 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

Trinidad and Las Animas County

Trinidad is in Las Animas 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).

Trinidad's own numbers

Typical home value
$226,800
Typical monthly rent
$910
Typical yearly household income
$52,273
Households that own their home
60%
Effective property tax rate
0.25%

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

Numbers for all of Las Animas County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,291
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
2.2%

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 Las Animas County.

Everything about Las Animas County

Buying

Buying a home in Trinidad

A typical home in Trinidad is worth $226,800: 5% below the county and 58% below Colorado. With the typical household income in Trinidad ($52,273 a year), a typical home costs 4.3 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.

  • Trinidad 4.3 years
  • Las Animas 4.6 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Las Animas County

According to FHFA’s house price index, home prices in Las Animas County rose 80% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) −6.7% +0.1% +2.9%
5 years (2020–2025) +42% +38% +47%
10 years (2015–2025) +80% +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

Trinidad next to Las Animas 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
  • Trinidad $226,800
  • Las Animas $237,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Trinidad $910
  • Las Animas $891
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Trinidad $52,273
  • Las Animas $52,074
  • Colorado $95,470
  • United States $80,734
See the full table
Trinidad next to Las Animas County and Colorado
Measure Trinidad Las Animas County Colorado U.S.
Typical home value $226,800 $237,600 $539,400 $332,700
Typical monthly rent $910 $891 $1,761 $1,413
Typical yearly household income $52,273 $52,074 $95,470 $80,734
Households that own their home 60% 69% 66% 65%
Typical yearly property tax $569 $535 $2,602 $3,119
Effective property tax rate 0.25% 0.23% 0.48% 0.94%
Renters with high rent for their income 52% 52% 53% 51%

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

For a typical $226,800 home in Trinidad, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Trinidad's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,751a month

    Least cash to close
    Down payment
    $7,938
    Cash to close
    $14,742
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $100

  • Conventional, 5% down $1,709a month

    Down payment
    $11,340
    Cash to close
    $18,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,371a month

    Down payment
    $45,360
    Cash to close
    $52,164
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,581a month

    Down payment
    $34,020
    Cash to close
    $40,824
    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 Trinidad and for Las Animas County.

Property tax

Effective rate in Trinidad

0.25%of the home’s value each year

$569 a year for the typical owner in Trinidad.

  • Trinidad 0.25%
  • Las Animas 0.23%
  • 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 Las Animas County

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

Homes in the high-risk zone
2.2%
149
Of those, with NFIP insurance
3.4%
County Colorado U.S.
Homes in the high-risk zone 2.2% 1.1% 3.5%
Of those, with NFIP insurance 3.4% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Trinidad

Typical rent in Trinidad is $910 a month: 2% above the county. In Trinidad, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Las Animas County, by unit size. To pay the 2-bedroom one ($1,291 a month) without spending more than 30% of your income, you would need to earn $24.83 an hour working full time.

HUD fair market rent for all of Las Animas 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 $959 $18.44 $38,360
1 bedroom $1,000 $19.23 $40,000
2 bedrooms $1,291 $24.83 $51,640
3 bedrooms $1,620 $31.15 $64,800
4 bedrooms $1,719 $33.06 $68,760

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 Trinidad

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Trinidad is in ZIP code 81082.

For 2 bedrooms it is $1,320: $29 more than the fair market rent for Las Animas County ($1,291).

  • 81082 $1,320$1,660

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

Low-income apartments

Low-income apartments in Trinidad

HUD lists 5 buildings with rents for lower incomes in Trinidad. These are the largest.

  • Trinidad 504 E First St, Trinidad 81082 198 homes, 196 low-income · Run by Trinidad Housing Authority · Average payment: $469 a month · Average wait: 8 months · Homes at several sites (719) 846-7204
  • Western Apartments 411 E North Ave, Trinidad 81082 60 low-income homes · For families (719) 846-7539
  • Corazon Square 201 Raton St, Trinidad 81082 50 low-income homes · For older adults (719) 846-8333
  • Casa Alegre 717 W Adams St, Trinidad 81082 16 low-income homes · For people with disabilities (719) 846-3388
  • Vista del Rae 1402 Atchison Ave, Trinidad 81082 5 homes, 4 low-income · For people with disabilities (719) 846-3388

See all 6 buildings in Las Animas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Trinidad

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.

We found no HUD-approved agencies with an office in Las Animas County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Trinidad

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

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

  • Neighborworks Southern Colorado

    1241 E Routt Ave, Pueblo · 74 miles away

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

  • Upper Arkansas Area Council of Governments

    3224 Independence Rd Unit A, Canon City · 95 miles away

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

  • Community Economic Defense Project Cedp- Colorado Springs

    1520 Verde Dr, Colorado Springs · 114 miles away · Spanish

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

All counseling agencies in Colorado

Help in Spanish near Trinidad

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 Trinidad

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

  • Trinidad Housing Authority Public housing and Section 8 vouchers (719) 846-7204

One other authority has an office in Las Animas County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Las Animas County Housing in Colorado

Neighboring counties

If Las Animas 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 Trinidad.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Trinidad

Short answers with the numbers for Trinidad and all of Las Animas 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 Trinidad?

The typical home value in Trinidad is $226,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Las Animas County it is $237,600.

How much does it cost to rent in Trinidad?

Typical rent in Trinidad is $910 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Las Animas County is $1,291.

What is the FHA loan limit in Trinidad?

Trinidad uses the FHA limit for all of Las Animas County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Trinidad?

The typical homeowner in Trinidad pays $569 a year, according to the U.S. Census Bureau. That is 0.25% of the home’s value; in Las Animas County, the rate is 0.23%.

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

We found no HUD-approved counseling agencies with an office in Las Animas County; the nearest ones are on this page. 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).