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City · 32,070 residents · Jefferson County, Colorado

Wheat Ridge , Colorado

In Wheat Ridge, a typical home is worth $623,000 and typical rent is $1,579 a month. Compared with all of Jefferson County, typical household income is 18% lower, typical rent is 15% lower, and the share of households that own their home is 16 points lower.

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  • Typical home value

    $623,000

    2% below the county

    15% above Colorado

    • Wheat Ridge
    • Jefferson
    • Colorado

  • Typical rent

    $1,579a month

    15% below the county

    10% below Colorado

    • Wheat Ridge
    • Jefferson
    • Colorado

  • Typical household income

    $90,564a year

    18% below the county

    5% below Colorado

    • Wheat Ridge
    • Jefferson
    • Colorado

  • Households that own their home

    54%

    16 points below the county

    12 points below Colorado

    • Wheat Ridge
    • Jefferson
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$581,865
2.2% less than 12 months ago
Typical rent
$1,881 a month
1.4% more than 12 months ago

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

Wheat Ridge 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 Wheat Ridge apart

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

  1. 54% of households in Wheat Ridge own their home, against 71% in Jefferson County.

  2. Nearby, in Berkley, the typical home value is $468,100: 25% less than in Wheat Ridge ($623,000).

  3. The typical household income in Wheat Ridge is $90,564, 18% less than in Jefferson County as a whole ($110,656).

  4. The typical rent in Wheat Ridge is $1,579 a month, 15% less than in Jefferson County as a whole ($1,861).

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

The homes here

Housing in Wheat Ridge

What homes there are in Wheat Ridge, 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 houses are the majority in Wheat Ridge (52%), but less so than in Jefferson County (64%).

Year built

The typical home in Wheat Ridge was built in 1965, 15 years before the typical one in Jefferson County.

There are fewer big homes in Wheat Ridge than in Jefferson County: 47% have 3 bedrooms or more, against 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
Monthly rent with utilities

By rent, most homes in Wheat Ridge cost less than HUD's 2-bedroom fair market rent ($2,169): about 80%.

With a mortgage

$2,367 a month

Jefferson County: $2,498 a month

Without a mortgage

$673 a month

Jefferson County: $737 a month

Owners with a mortgage

74%

Jefferson County: 71%

The typical cost for an owner with a mortgage in Wheat Ridge is $2,367 a month, less than 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

Much as in Jefferson County, the typical home value in Wheat Ridge rose 62% since 2015–2019.

Since 2015–2019, the typical rent in Wheat Ridge rose 43%, more than in Jefferson County (35%).

To compare: typical income in Wheat Ridge rose 57%; the home, +62%; the rent, +43%.

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

MeasureWheat RidgeJefferson CountyColoradoUnited States
Rental vacancy Unreliable estimate4.9%5.1%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.4%2.4%3.4%
People per household 2.082.362.422.53
Drive alone 61%64%65%69%
Carpool 11%6%8%9%
Public transit 2%1%2%3%
Walk or bike 3%2%3%3%
Work from home 22%25%21%15%
Other means 2%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Wheat Ridge has 2.08 people, fewer than in Jefferson County (2.36).

Carpooling is common in Wheat Ridge: 11% of workers get to work that way, against 6% in Jefferson 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 Wheat Ridge?

A typical home costs more than the typical income allows

We start with a typical home in Wheat Ridge, worth $623,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Wheat Ridge, which is $90,564 a year. For that payment to be 28% of income, a household would need to earn about $210,323 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 Wheat Ridge. 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 $21,805 (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

$4,908

at 7.18% · 30 years

Loan amount
$611,716
Total interest
$880,116
Paid off in
November 2056

Includes $10,521 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,113 a month

  • Tight

    $2,113 to $2,717 a month

  • Hard

    more than $2,717 a month

    Your payment · 65%

Compared with the typical household income in Wheat Ridge ($90,564 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,908
Principal & interest$4,144
Property tax$228
Home insurance$260
FHA mortgage insurance (MIP)$276

You need at least $21,805 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

Wheat Ridge and Jefferson County

Wheat Ridge 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).

Wheat Ridge's own numbers

Typical home value
$623,000
Typical monthly rent
$1,579
Typical yearly household income
$90,564
Households that own their home
54%
Effective property tax rate
0.44%

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 Wheat Ridge

A typical home in Wheat Ridge is worth $623,000: 2% below the county and 15% above Colorado. With the typical household income in Wheat Ridge ($90,564 a year), a typical home costs 6.9 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.

  • Wheat Ridge 6.9 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

Wheat Ridge 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
  • Wheat Ridge $623,000
  • Jefferson $637,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Wheat Ridge $1,579
  • Jefferson $1,861
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Wheat Ridge $90,564
  • Jefferson $110,656
  • Colorado $95,470
  • United States $80,734
See the full table
Wheat Ridge next to Jefferson County and Colorado
Measure Wheat Ridge Jefferson County Colorado U.S.
Typical home value $623,000 $637,600 $539,400 $332,700
Typical monthly rent $1,579 $1,861 $1,761 $1,413
Typical yearly household income $90,564 $110,656 $95,470 $80,734
Households that own their home 54% 71% 66% 65%
Typical yearly property tax $2,757 $3,082 $2,602 $3,119
Effective property tax rate 0.44% 0.48% 0.48% 0.94%
Renters with high rent for their income 53% 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 Wheat Ridge

For a typical $623,000 home in Wheat Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wheat Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,908a month

    Least cash to close
    Down payment
    $21,805
    Cash to close
    $40,495
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $276

  • Conventional, 5% down $4,793a month

    Down payment
    $31,150
    Cash to close
    $49,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $296

  • Conventional, 20% down, no PMI $3,864a month

    Down payment
    $124,600
    Cash to close
    $143,290
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,440a month

    Down payment
    $93,450
    Cash to close
    $112,140
    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 Wheat Ridge and for Jefferson County.

Property tax

Effective rate in Wheat Ridge

0.44%of the home’s value each year

$2,757 a year for the typical owner in Wheat Ridge.

  • Wheat Ridge 0.44%
  • 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 Wheat Ridge

Typical rent in Wheat Ridge is $1,579 a month: 15% below the county. In Wheat Ridge, 53% 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 Wheat Ridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wheat Ridge is in ZIP code 80033.

For 2 bedrooms it is $1,890: $279 less than the fair market rent for Jefferson County ($2,169).

  • 80033 $1,890$2,470

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

HUD lists 4 buildings with rents for lower incomes in Wheat Ridge. These are the largest.

  • Highland West Community 6340 W 38th Ave, Wheat Ridge 80033 237 low-income homes · Studio: 40 · 1 bd: 187 · 2 bd: 10 · In service since 2015 · For older adults (720) 287-6663
  • Caesar Square 9235 W 48th Ave, Wheat Ridge 80033 108 low-income homes · 1 bd: 38 · 2 bd: 68 · 3 bd: 2 · In service since 2020 · For families
  • Wheat Ridge Town Center Apts 4340 Vance St, Wheat Ridge 80033 88 low-income homes · 1 bd: 66 · 2 bd: 22 · In service since 2012 · For older adults
  • Town Center North Apartments 7340 W 44th Ave, Wheat Ridge 80033 50 low-income homes · 1 bd: 33 · 2 bd: 17 · In service since 2016 · For older adults

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

Free help

Help to buy or rent in Wheat Ridge

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Wheat Ridge

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

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

  • Brothers Redevelopment, Inc.

    2250 Eaton St Ste B, Edgewater · 3 miles away · Spanish

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

  • Denver Housing Authority

    3550 W 13th Ave, Denver · 5 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (720) 956-3806

  • Southwest Improvement Council

    5045 W 1st Ave, Denver · 5 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (303) 934-0923

Every agency in Jefferson County All counseling agencies in Colorado

Help in Spanish near Wheat Ridge

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 Wheat Ridge

HUD’s record names them for Wheat Ridge 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 Wheat Ridge, 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 Wheat Ridge.

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

Questions

Housing questions about Wheat Ridge

Short answers with the numbers for Wheat Ridge 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 Wheat Ridge?

The typical home value in Wheat Ridge is $623,000, 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 Wheat Ridge?

Typical rent in Wheat Ridge is $1,579 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 Wheat Ridge?

Wheat Ridge 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 Wheat Ridge?

The typical homeowner in Wheat Ridge pays $2,757 a year, according to the U.S. Census Bureau. That is 0.44% of the home’s value; in Jefferson County, the rate is 0.48%.

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

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).