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The monthly payment with property tax and insurance is about $3,494.","faq":[{"q":"How much income do you need to buy a house in Northern Colorado?","a":"About $149,700 a year as of October 23, 2026, for the median home in Larimer and Weld counties (median sale price $519,425, last 90 days), with 20% down on a 30-year fixed loan at 7.32% and housing costs kept to 28% of gross income. The Census median household income is $93,765 in Larimer County and $97,097 in Weld County (ACS 2020-2024)."},{"q":"What mortgage rate are these figures based on?","a":"7.32%, the Freddie Mac Primary Mortgage Market Survey average for a 30-year fixed-rate mortgage for the week of October 22, 2026, read from the Federal Reserve Bank of St. Louis (FRED series MORTGAGE30US). The page checks for a new weekly rate every day. At 6.32%, one point lower, the Northern Colorado figure would be about $137,900."},{"q":"Which Northern Colorado towns take the highest and lowest income to buy?","a":"Of the 26 towns with enough closed sales to report, Niwot takes the most: about $366,700 a year for its median home ($1,368,500). Evans takes the least: about $111,800 ($370,500)."},{"q":"Can the median household afford the median home in Northern Colorado?","a":"In 25 of the 26 towns with both figures, the income needed to buy the median home is more than the town's Census median household income. It reaches it in Red Feather Lakes. The comparison uses a 20% down payment; with less down, the income needed is higher."},{"q":"What does the monthly payment include?","a":"Principal and interest on a 30-year fixed loan for 80% of the price, property tax at the median rate on active MLS listings in that town, and homeowners insurance at the Colorado average of $4,605 a year (NerdWallet, Homeowners Insurance in Colorado). It leaves out HOA dues, utilities and maintenance, and has no mortgage insurance because the down payment is 20%."}],"cite":"Income needed to buy the median Northern Colorado (Larimer + Weld counties) home: $149,700 a year (median sale price, last 90 days $519,425; 20% down; 7.32% 30-year fixed, Freddie Mac PMMS week of October 22, 2026; 28% of gross income) (SAA Homes, as of October 23, 2026, https://saahomes.com/resources/northern-colorado-income-needed-to-buy/)","data_updated_at":"2026-10-23T22:57:23.807Z","updated_label":"October 23, 2026 at 4:57 PM MT","source":{"prices":"IRES MLS","attribution":"Listing data provided by IRES MLS via IDX. Information is deemed reliable but not guaranteed. All measurements and square footage are approximate. Buyer should verify all information with independent sources before making decisions."},"path":"/resources/northern-colorado-income-needed-to-buy/","csv_path":"/api/affordability/stats.csv","json_path":"/api/affordability/stats"}