Northern Colorado Housing Statistics 2026

Sourced, dated housing numbers for Northern Colorado — the national mortgage-rate context, CHFA income and purchase price limits for Larimer and Weld counties (plus Adams and Boulder), and U.S. Census figures for Fort Collins and Windsor. Every figure links to its primary source and shows the date it was verified. Last updated 2026-10-01.

National context

The mortgage-rate backdrop that sets what a monthly payment costs anywhere in Colorado.

The 30-year fixed mortgage rate averaged 6.67% as of August 13, 2026, down from 6.69% the prior week and up from 6.58% a year earlier.

  • 6.67% — 30-year fixed, week of Aug 13, 2026
  • 6.69% — Prior week
  • 6.58% — A year earlier

As of: Week ending 2026-08-13

Source: Freddie Mac — Primary Mortgage Market Survey (PMMS) (verified 2026-10-01)

Cite this: The 30-year fixed mortgage rate averaged 6.67% the week of August 13, 2026 (6.69% prior week; 6.58% a year earlier). Source: Freddie Mac Primary Mortgage Market Survey.

Mortgage Calculator · Northern Colorado Buyer Guide

Colorado / CHFA

State program limits that decide what a Colorado buyer can afford.

CHFA down payment assistance is a grant up to the lesser of $25,000 or 3% of the first mortgage (no repayment), with a second mortgage up to the lesser of $25,000 or 4% (deferred).

  • ≤ $25,000 or 3% — Grant (no repayment)
  • ≤ $25,000 or 4% — Second mortgage (deferred)

As of: 2026 program terms

Source: Colorado Housing and Finance Authority — CHFA Down Payment Assistance (verified 2026-10-01)

Permanent-disability and first-generation buyers may receive up to $25,000 regardless of loan amount.

Cite this: CHFA down payment assistance: grant up to the lesser of $25,000 or 3% of the first mortgage; a second mortgage up to the lesser of $25,000 or 4%. Source: Colorado Housing and Finance Authority.

CHFA Down Payment Assistance

The CHFA 2026 maximum total loan limit is $832,750, effective for locks on or after June 15, 2026.

  • $832,750 — Maximum total loan limit

As of: Effective for locks on or after 2026-06-15

Source: Colorado Housing and Finance Authority — CHFA Income & Purchase Price Limits (PDF) (verified 2026-10-01)

Also the FirstStep and FirstGeneration purchase-price cap.

Cite this: The CHFA 2026 maximum total loan limit is $832,750, effective for locks on or after June 15, 2026. Source: Colorado Housing and Finance Authority.

CHFA Down Payment Assistance · Colorado Champions Home Loan

Larimer & Weld counties

CHFA limits and market figures for the counties Schwartz and Associates serves — Fort Collins, Windsor, and Greeley.

CHFA income limits for Larimer County are $130,400 (1–2 person) and $149,960 (3+ person) in non-targeted areas, and $156,480 / $182,560 in targeted areas. The purchase price limit is $664,190 non-targeted / $811,790 targeted.

  • $130,400 — Non-targeted, 1–2 person
  • $149,960 — Non-targeted, 3+ person
  • $156,480 — Targeted, 1–2 person
  • $182,560 — Targeted, 3+ person

As of: Effective for locks on or after 2026-06-15

Source: Colorado Housing and Finance Authority — CHFA Income & Purchase Price Limits (PDF) (verified 2026-10-01)

Cite this: CHFA 2026 limits, Larimer County: income $130,400 (1–2) / $149,960 (3+) non-targeted and $156,480 / $182,560 targeted; purchase price $664,190 non-targeted / $811,790 targeted, effective for locks on or after June 15, 2026. Source: Colorado Housing and Finance Authority.

CHFA Limits by County 2026 · Fort Collins Real Estate Guide

CHFA income limits for Weld County are $153,600 (1–2 person) and $179,200 (3+ person), the same in targeted and non-targeted areas. The purchase price limit is $735,320.

  • $153,600 — 1–2 person household
  • $179,200 — 3+ person household
  • $735,320 — Purchase price limit

As of: Effective for locks on or after 2026-06-15

Source: Colorado Housing and Finance Authority — CHFA Income & Purchase Price Limits (PDF) (verified 2026-10-01)

Cite this: CHFA 2026 limits, Weld County: income $153,600 (1–2) / $179,200 (3+), targeted and non-targeted alike; purchase price $735,320, effective for locks on or after June 15, 2026. Source: Colorado Housing and Finance Authority.

CHFA Limits by County 2026 · Greeley Real Estate Guide

The median listing price in Fort Collins was $575,000 in August 2026, down from $595,000 in April.

  • $575,000 — August 2026
  • $577,225 — July 2026
  • $595,000 — April 2026

As of: August 2026

Source: Realtor.com via FRED — Median Listing Price, Fort Collins (MEDLISPRI22660) (verified 2026-10-01)

Cite this: Median listing price in Fort Collins, Colorado: $575,000 in August 2026 (from $595,000 in April 2026). Source: Realtor.com via FRED series MEDLISPRI22660.

CHFA Limits by County 2026 · Fort Collins Real Estate Guide

In Windsor, Colorado, the median value of owner-occupied homes is $604,000, the owner-occupied rate is 77.6%, and population is 43,840 (July 1, 2025 estimate).

  • $604,000 — Median owner-occupied home value
  • 77.6% — Owner-occupied rate
  • $1,793 — Median gross rent
  • 43,840 — Population (Jul 1, 2025 est.)

As of: ACS 2020–2024 5-year estimates; population July 1, 2025 estimate

Source: U.S. Census Bureau — QuickFacts — Windsor town, Colorado (verified 2026-10-01)

Cite this: Windsor, Colorado: median owner-occupied home value $604,000; owner-occupied rate 77.6%; population 43,840 (U.S. Census Bureau, ACS 2020–2024 / QuickFacts).

Windsor Real Estate Guide

The owner-occupied housing unit rate in Fort Collins, Colorado is 51.6%.

  • 51.6% — Owner-occupied housing unit rate

As of: ACS 2020–2024 5-year estimates

Source: U.S. Census Bureau — QuickFacts — Fort Collins city, Colorado (verified 2026-09-30)

Cite this: Owner-occupied housing unit rate in Fort Collins, Colorado: 51.6% (U.S. Census Bureau, ACS 2020–2024).

Fort Collins Real Estate Guide

The population of Fort Collins, Colorado was estimated at 171,500 on July 1, 2025.

  • 171,500 — Population (July 1, 2025 estimate)

As of: July 1, 2025 estimate

Source: U.S. Census Bureau — QuickFacts — Fort Collins city, Colorado (verified 2026-09-30)

Cite this: Population of Fort Collins, Colorado: 171,500 as of July 1, 2025 (U.S. Census Bureau QuickFacts).

Fort Collins Real Estate Guide

Other Colorado counties

Additional CHFA county rows, kept for reference. Also verified and ready to cite.

CHFA income limits for Boulder County are $150,000 for 1–2 person households and $172,500 for 3+ person households.

  • $150,000 — 1–2 person household
  • $172,500 — 3+ person household

As of: Effective for locks on or after 2026-06-15

Source: Colorado Housing and Finance Authority — CHFA Income & Purchase Price Limits (PDF) (verified 2026-09-30)

Per the CHFA limits table, the Boulder County figures are the same for non-targeted and targeted areas.

Cite this: CHFA income limits, Boulder County: $150,000 (1–2 person) / $172,500 (3+ person), effective for locks on or after June 15, 2026. Source: Colorado Housing and Finance Authority.

CHFA Down Payment Assistance · Colorado Champions Home Loan

CHFA income limits for Adams County are $144,000 (1–2 person) and $165,600 (3+ person) in non-targeted areas, and $172,800 / $201,600 in targeted areas.

  • $144,000 — Non-targeted, 1–2 person
  • $165,600 — Non-targeted, 3+ person
  • $172,800 — Targeted, 1–2 person
  • $201,600 — Targeted, 3+ person

As of: Effective for locks on or after 2026-06-15

Source: Colorado Housing and Finance Authority — CHFA Income & Purchase Price Limits (PDF) (verified 2026-09-30)

Cite this: CHFA income limits, Adams County: $144,000 / $165,600 non-targeted; $172,800 / $201,600 targeted, effective for locks on or after June 15, 2026. Source: Colorado Housing and Finance Authority.

CHFA Down Payment Assistance

The CHFA purchase price limit is $832,750 for both Boulder County and Adams County.

  • $832,750 — Boulder County
  • $832,750 — Adams County

As of: Effective for locks on or after 2026-06-15

Source: Colorado Housing and Finance Authority — CHFA Income & Purchase Price Limits (PDF) (verified 2026-09-30)

The same limit applies to non-targeted and targeted areas in both counties.

Cite this: CHFA purchase price limit, Boulder and Adams counties: $832,750, effective for locks on or after June 15, 2026. Source: Colorado Housing and Finance Authority.

CHFA Down Payment Assistance · Colorado Champions Home Loan

Methodology & verification

Figures are taken from primary sources — the Colorado Housing and Finance Authority for CHFA program limits and the U.S. Census Bureau for community statistics. Each was fetched and read directly; the figure shown matches the source table, and the as-of or effective date is recorded exactly as published. This page does not publish estimated, stale, or secondhand numbers.

Frequently Asked Questions

What are the CHFA income limits in Colorado for 2026?

CHFA income limits vary by county and household size and by whether the home is in a targeted area. Verified figures on this page include Larimer County at $130,400 (1–2 person) and $149,960 (3+ person) non-targeted and $156,480 / $182,560 targeted, Weld County at $153,600 / $179,200, Boulder County at $150,000 / $172,500, and Adams County at $144,000 / $165,600 non-targeted and $172,800 / $201,600 targeted, effective for locks on or after June 15, 2026. Source: Colorado Housing and Finance Authority. Limits are updated periodically — confirm current figures with CHFA or a participating lender.

What is the CHFA maximum loan limit for 2026?

The CHFA 2026 maximum total loan limit is $832,750, effective for locks on or after June 15, 2026. It is also the purchase-price cap for the CHFA FirstStep and FirstGeneration programs. Source: Colorado Housing and Finance Authority Income & Purchase Price Limits table.

What is the median home value in Fort Collins, Colorado?

The median value of owner-occupied housing units in Fort Collins, Colorado is $577,900, per the U.S. Census Bureau's American Community Survey 2020–2024 5-year estimates (QuickFacts). The median gross rent is $1,690 and median household income is $85,070. The median listing price was $575,000 in August 2026 (Realtor.com via FRED).

What are the housing statistics for Windsor, Colorado?

In Windsor, Colorado, the median value of owner-occupied homes is $604,000, the owner-occupied rate is 77.6%, median gross rent is $1,793, and population was estimated at 43,840 on July 1, 2025, per the U.S. Census Bureau (ACS 2020–2024 and QuickFacts).

How often is this Northern Colorado housing statistics page updated?

Each figure is re-verified against its primary source and the 'Last updated' date only changes when a real re-verification or addition lands. CHFA limits are re-checked when CHFA publishes new limits, the mortgage rate is re-checked on Freddie Mac's weekly release, and U.S. Census figures are re-checked when the Census Bureau releases new estimates.

Can I cite these Northern Colorado housing statistics?

Yes. Every figure on this page links to its primary source and shows the date it was verified. You may cite the figure and link to the source, or link to this page's stable anchor for the statistic (for example, #stat-chfa-income-limits-larimer-2026).

Questions about what these numbers mean for you?

Adam and Mandi Schwartz help buyers and sellers across Northern Colorado. Contact SAA Homes at (970) 999-1407 or visit our contact page for a free consultation.