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City · 115,484 residents · Jefferson County, Colorado

Westminster , Colorado

In Westminster, a typical home is worth $532,400 and typical rent is $1,882 a month. Compared with all of Jefferson County, the typical home value is 16% lower, typical household income is 9% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $532,400

    16% below the county

    About the same as Colorado

    • Westminster
    • Jefferson
    • Colorado

  • Typical rent

    $1,882a month

    About the same as the county

    7% above Colorado

    • Westminster
    • Jefferson
    • Colorado

  • Typical household income

    $100,272a year

    9% below the county

    5% above Colorado

    • Westminster
    • Jefferson
    • Colorado

  • Households that own their home

    62%

    9 points below the county

    4 points below Colorado

    • Westminster
    • Jefferson
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$510,555
1.8% less than 12 months ago
Typical rent
$1,872 a month
0.9% more than 12 months ago

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

Westminster is in Jefferson 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 Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Westminster apart

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 Westminster ($532,400).

  2. Nearby, in Twin Lakes, the typical rent is $1,596: 15% less than in Westminster ($1,882).

  3. The typical home in Westminster is worth $532,400, 16% less than in Jefferson County as a whole ($637,600).

  4. 62% of households in Westminster own their home, against 71% in Jefferson County.

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

The homes here

Housing in Westminster

What homes there are in Westminster, 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 Westminster, but it weighs less than in Jefferson County: 55% against 64%.

Year built

Homes in Westminster are newer: the typical year built is 1987; in Jefferson County, 1980.

Homes in Westminster are smaller: 57% have 3 bedrooms or more; in Jefferson County, 64%.

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

By price, most homes in Westminster sit under the FHA limit for Jefferson County ($862,500): about 89%.

Monthly rent with utilities

By rent, most homes in Westminster cost less than HUD's 2-bedroom fair market rent ($2,169): about 67%.

With a mortgage

$2,252 a month

Jefferson County: $2,498 a month

Without a mortgage

$673 a month

Jefferson County: $737 a month

Owners with a mortgage

72%

Jefferson County: 71%

Owning costs less in Westminster: with a mortgage, the typical cost is $2,252 a month; in Jefferson County, $2,498. Without one, $673.

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 Westminster rose 56% since 2015–2019, less than in Jefferson County (60%).

Rents in Westminster rose more slowly than in Jefferson County: 32% since 2015–2019, against 35%.

To compare: typical income in Westminster rose 32%; the home, +56%; the rent, +32%.

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

MeasureWestminsterJefferson CountyColoradoUnited States
Rental vacancy 3.6%4.9%5.1%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room 1.8%1.4%2.4%3.4%
People per household 2.392.362.422.53
Drive alone 68%64%65%69%
Carpool 6%6%8%9%
Public transit 1%1%2%3%
Walk or bike 1%2%3%3%
Work from home 22%25%21%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is little rental housing open in Westminster: only 3.6% is empty and offered for rent, against 4.9% in Jefferson County.

More than one person per room: that is how 1.8% of households in Westminster live, near the figure in Jefferson County (1.4%).

Much as in Jefferson County, a household in Westminster has 2.39 people on average.

The car rules in Westminster: 68% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Westminster?

A typical home costs more than the typical income allows

We start with a typical home in Westminster, worth $532,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Westminster, which is $100,272 a year. For that payment to be 28% of income, a household would need to earn about $180,688 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Westminster. 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 $18,634 (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

$4,216

at 7.18% · 30 years

Loan amount
$522,757
Total interest
$752,125
Paid off in
November 2056

Includes $8,991 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,340 a month

  • Tight

    $2,340 to $3,008 a month

  • Hard

    more than $3,008 a month

    Your payment · 50%

Compared with the typical household income in Westminster ($100,272 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,216
Principal & interest$3,541
Property tax$217
Home insurance$222
FHA mortgage insurance (MIP)$235

You need at least $18,634 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

Westminster and Jefferson County

Westminster is in Jefferson 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).

Westminster's own numbers

Typical home value
$532,400
Typical monthly rent
$1,882
Typical yearly household income
$100,272
Households that own their home
62%
Effective property tax rate
0.49%

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

Numbers for all of Jefferson 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)
+41%
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 Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Westminster

A typical home in Westminster is worth $532,400: 16% below the county and about the same as Colorado. With the typical household income in Westminster ($100,272 a year), a typical home costs 5.3 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.

  • Westminster 5.3 years
  • Jefferson 5.8 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 99% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) +0.5% +0.1% +2.9%
5 years (2020–2025) +41% +38% +47%
10 years (2015–2025) +99% +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

Westminster next to Jefferson 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
  • Westminster $532,400
  • Jefferson $637,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Westminster $1,882
  • Jefferson $1,861
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Westminster $100,272
  • Jefferson $110,656
  • Colorado $95,470
  • United States $80,734
See the full table
Westminster next to Jefferson County and Colorado
Measure Westminster Jefferson County Colorado U.S.
Typical home value $532,400 $637,600 $539,400 $332,700
Typical monthly rent $1,882 $1,861 $1,761 $1,413
Typical yearly household income $100,272 $110,656 $95,470 $80,734
Households that own their home 62% 71% 66% 65%
Typical yearly property tax $2,614 $3,082 $2,602 $3,119
Effective property tax rate 0.49% 0.48% 0.48% 0.94%
Renters with high rent for their income 51% 53% 53% 51%

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

For a typical $532,400 home in Westminster, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Westminster's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,216a month

    Least cash to close
    Down payment
    $18,634
    Cash to close
    $34,606
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $235

  • Conventional, 5% down $4,118a month

    Down payment
    $26,620
    Cash to close
    $42,592
    Rate
    7.18%
    Mortgage insurance
    PMI · $253

  • Conventional, 20% down, no PMI $3,325a month

    Down payment
    $106,480
    Cash to close
    $122,452
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,817a month

    Down payment
    $79,860
    Cash to close
    $95,832
    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 Westminster and for Jefferson County.

Property tax

Effective rate in Westminster

0.49%of the home’s value each year

$2,614 a year for the typical owner in Westminster.

  • Westminster 0.49%
  • Jefferson 0.48%
  • 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 Jefferson County

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

Homes in the high-risk zone
0.9%
1,778
Of those, with NFIP insurance
41%
County Colorado U.S.
Homes in the high-risk zone 0.9% 1.1% 3.5%
Of those, with NFIP insurance 41% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Westminster

Typical rent in Westminster is $1,882 a month: about the same as the county. In Westminster, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson 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.

HUD fair market rent for all of Jefferson 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 $1,751 $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 Westminster

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Westminster has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,890 in 80030 to $2,560 in 80021.

2 of the 4 are above the fair market rent for Jefferson County ($2,169).

  • 80021 $2,560$3,360
  • 80030 $1,890$2,470
  • 80031 $2,230$2,930
  • 80234 $2,110$2,770

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Westminster 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 Westminster

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

  • Glendale Apts 5345 W 79th Ave, Westminster 80003 120 homes, 119 low-income · 1 bd: 12 · 2 bd: 66 · 3 bd: 30 · 4 bd: 12 · In service since 2001
  • Eaton Street Apartments 8877 Eaton St, Westminster 80031 118 low-income homes · 1 bd: 77 · 2 bd: 34 · 3 bd: 7 · In service since 2019 · For families
  • Hidden Lake Homes 5430 W 73rd Ave, Westminster 80003 72 low-income homes · 1 bd: 42 · 2 bd: 30 · In service since 2017 · For older adults, families (720) 645-1167
  • Walnut Creek Apts 10350 Dover St, Westminster 80021 220 homes, 55 low-income · 1 bd: 76 · 2 bd: 120 · 3 bd: 24 · In service since 1997
  • Eaton Street Apartments 8855 Eaton St, Westminster 80031 118 homes, 11 low-income (303) 426-4134

See all 61 buildings in Jefferson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Westminster

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 Jefferson 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 Westminster

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

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

  • Community Resources and Housing Development Corporation

    7305 Lowell Blvd Unit 200, Westminster · 4 miles away · Spanish

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

  • Operation Hope-Commerce City Co

    6565 E 73rd Ave, Commerce City · 9 miles away

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

  • Brothers Redevelopment, Inc.

    2250 Eaton St Ste B, Edgewater · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (303) 202-6340

Every agency in Jefferson County All counseling agencies in Colorado

Help in Spanish near Westminster

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 Westminster

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

  • Jefferson County Housing Authority Public housing and Section 8 vouchers (303) 422-8600

2 other authorities have an office in Jefferson County: see the list Source: HUD

Cities

Other cities in Jefferson County

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

Everything about Jefferson County Housing in Colorado

Nearby cities

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

Neighboring counties

If Jefferson 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 Westminster.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Westminster

Short answers with the numbers for Westminster and all of Jefferson 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 Westminster?

The typical home value in Westminster is $532,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $637,600.

How much does it cost to rent in Westminster?

Typical rent in Westminster is $1,882 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $2,169.

What is the FHA loan limit in Westminster?

Westminster uses the FHA limit for all of Jefferson 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 Westminster?

The typical homeowner in Westminster pays $2,614 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in Jefferson County, the rate is 0.48%.

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

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