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City · 11,798 residents · Larimer County, Colorado

Wellington , Colorado

In Wellington, a typical home is worth $464,200 and typical rent is $2,473 a month. Compared with all of Larimer County, typical rent is 44% higher, the typical home value is 18% lower, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $464,200

    18% below the county

    14% below Colorado

    • Wellington
    • Larimer
    • Colorado

  • Typical rent

    $2,473a month

    44% above the county

    40% above Colorado

    • Wellington
    • Larimer
    • Colorado

  • Typical household income

    $107,017a year

    14% above the county

    12% above Colorado

    • Wellington
    • Larimer
    • Colorado

  • Households that own their home

    81%

    17 points above the county

    15 points above Colorado

    • Wellington
    • Larimer
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$464,971
about the same as 12 months ago
Typical rent
$2,335 a month

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

Wellington 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 Wellington apart

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

  1. The typical rent in Wellington is $2,473 a month, 44% more than in Larimer County as a whole ($1,716).

  2. Nearby, in Fort Collins, the typical rent is $1,690: 32% less than in Wellington ($2,473).

  3. 81% of households in Wellington own their home, against 64% in Larimer County.

  4. The typical home in Wellington is worth $464,200, 18% less than in Larimer County as a whole ($569,100).

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

The homes here

Housing in Wellington

What homes there are in Wellington, 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 Wellington: 86% of homes, more than in Larimer County (64%).

Year built

Here half of the homes date from 2010 or later; in Larimer County, from 1993 or later.

In Wellington, 88% of homes have 3 bedrooms or more, more than in Larimer County (66%).

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

$2,201 a month

Larimer County: $2,305 a month

Without a mortgage

$650 a month

Larimer County: $681 a month

Owners with a mortgage

87%

Larimer County: 68%

The typical cost for an owner with a mortgage in Wellington is $2,201 a month, near the figure in Larimer County ($2,305).

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

Homes in Wellington gained value more slowly than in Larimer County: 44% since 2015–2019, against 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

MeasureWellingtonLarimer 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 2.832.312.422.53
Drive alone 71%66%65%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate5%3%3%
Work from home 19%21%21%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Wellington are bigger: 2.83 people on average; in Larimer County, 2.31.

To get to work, 71% of workers in Wellington drive alone; in Larimer County, 66%.

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 Wellington?

A typical home costs more than the typical income allows

We start with a typical home in Wellington, worth $464,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Wellington, which is $107,017 a year. For that payment to be 28% of income, a household would need to earn about $158,536 a year.

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 Wellington. 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 $16,247 (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

$3,699

at 7.18% · 30 years

Loan amount
$455,792
Total interest
$655,778
Paid off in
November 2056

Includes $7,839 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,497 a month

  • Tight

    $2,497 to $3,211 a month

  • Hard

    more than $3,211 a month

    Your payment · 41%

Compared with the typical household income in Wellington ($107,017 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,699
Principal & interest$3,088
Property tax$213
Home insurance$193
FHA mortgage insurance (MIP)$205

You need at least $16,247 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

Wellington and Larimer County

Wellington 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).

Wellington's own numbers

Typical home value
$464,200
Typical monthly rent
$2,473
Typical yearly household income
$107,017
Households that own their home
81%
Effective property tax rate
0.55%

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 Wellington

A typical home in Wellington is worth $464,200: 18% below the county and 14% below Colorado. With the typical household income in Wellington ($107,017 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.

  • Wellington 4.3 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

Wellington 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
  • Wellington $464,200
  • Larimer $569,100
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Wellington $2,473
  • Larimer $1,716
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Wellington $107,017
  • Larimer $93,765
  • Colorado $95,470
  • United States $80,734
See the full table
Wellington next to Larimer County and Colorado
Measure Wellington Larimer County Colorado U.S.
Typical home value $464,200 $569,100 $539,400 $332,700
Typical monthly rent $2,473 $1,716 $1,761 $1,413
Typical yearly household income $107,017 $93,765 $95,470 $80,734
Households that own their home 81% 64% 66% 65%
Typical yearly property tax $2,565 $2,832 $2,602 $3,119
Effective property tax rate 0.55% 0.5% 0.48% 0.94%
Renters with high rent for their income 53% 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 Wellington

For a typical $464,200 home in Wellington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wellington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,699a month

    Least cash to close
    Down payment
    $16,247
    Cash to close
    $30,173
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $205

  • Conventional, 5% down $3,614a month

    Down payment
    $23,210
    Cash to close
    $37,136
    Rate
    7.18%
    Mortgage insurance
    PMI · $220

  • Conventional, 20% down, no PMI $2,922a month

    Down payment
    $92,840
    Cash to close
    $106,766
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,351a month

    Down payment
    $69,630
    Cash to close
    $83,556
    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 Wellington and for Larimer County.

Property tax

Effective rate in Wellington

0.55%of the home’s value each year

$2,565 a year for the typical owner in Wellington.

  • Wellington 0.55%
  • 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 Wellington

Typical rent in Wellington is $2,473 a month: 44% above the county. In Wellington, 53% 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 Wellington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wellington is in ZIP code 80549.

For 2 bedrooms it is $2,460: $701 more than the fair market rent for Larimer County ($1,759).

  • 80549 $2,460$3,330

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

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 man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Wellington

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

The HUD-approved agencies closest to the center of Wellington, 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 · 7 miles away · Spanish

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

  • Oweesta Corporation

    2432 Main St, Longmont · 35 miles away

    (303) 774-8838

  • Community Resources and Housing Development Corporation

    7305 Lowell Blvd Unit 200, Westminster · 60 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (303) 428-1448

Every agency in Larimer County All counseling agencies in Colorado

Help in Spanish near Wellington

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 Wellington

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

2 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 Wellington, 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 Wellington.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Wellington

Short answers with the numbers for Wellington 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 Wellington?

The typical home value in Wellington is $464,200, 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 Wellington?

Typical rent in Wellington is $2,473 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 Wellington?

Wellington 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 Wellington?

The typical homeowner in Wellington pays $2,565 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Larimer County, the rate is 0.5%.

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

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).