As of October 23, 2026, a household needs about $149,700 a year to buy the median Northern Colorado home (Larimer and Weld counties), which sold for $519,425 in the last 90 days, with 20% down at the 7.32% Freddie Mac 30-year average (week of October 22, 2026). The monthly payment with property tax and insurance is about $3,494.
As of October 23, 2026 · Updated daily · Mortgage rate 7.32% (week of October 22, 2026), Freddie Mac Primary Mortgage Market Survey (PMMS), 30-year fixed-rate average
Sorted by income needed on the median sale price (closed, last 90 days), highest first. 20% down, 30-year fixed, property tax and $4,605 a year of insurance included, HOA dues not included, housing costs at 28% of gross income. A ratio above 1.00 means the town's median household income falls short.
| Area | Income needed | Monthly payment | Median sale price (closed, last 90 days) | Median household income (Census) | Income needed ÷ household income | Median list price (active) | Income needed on the list price | Property tax rate used |
|---|---|---|---|---|---|---|---|---|
| Counties | ||||||||
| Northern Colorado (Larimer + Weld counties) | $149,700 | $3,494 | $519,425 | See county rows | See county rows | $532,900 | $153,200 | 0.59% |
| Boulder County | $206,000 | $4,808 | $736,500 | $103,994 (±$2,268) | 1.98× (above the median household income) | $765,000 | $213,400 | 0.61% |
| Larimer County | $156,000 | $3,641 | $545,338 | $93,765 (±$1,936) | 1.66× (above the median household income) | $564,970 | $161,100 | 0.57% |
| Weld County | $142,700 | $3,330 | $490,000 | $97,097 (±$2,383) | 1.47× (above the median household income) | $500,000 | $145,300 | 0.62% |
| United States | Not included | Not included | Not included | $80,734 (±$166) | Not included | Not included | Not included | Not included |
| Larimer County towns | ||||||||
| Timnath | $213,300 | $4,978 | $725,000 | $178,257 (±$13,812) | 1.20× (above the median household income) | $662,775 | $196,400 | 1.01% |
| Estes Park | $177,700 | $4,147 | $641,500 | $85,956 (±$17,627) | 2.07× (above the median household income) | $675,000 | $186,200 | 0.45% |
| Berthoud | $171,900 | $4,011 | $598,000 | $119,385 (±$12,944) | 1.44× (above the median household income) | $650,000 | $185,400 | 0.68% |
| Fort Collins | $161,800 | $3,776 | $565,500 | $85,070 (±$2,468) | 1.90× (above the median household income) | $548,000 | $157,300 | 0.60% |
| Loveland | $146,000 | $3,406 | $510,629 | $84,604 (±$4,517) | 1.73× (above the median household income) | $525,000 | $149,600 | 0.51% |
| Wellington | $138,000 | $3,220 | $467,500 | $107,017 (±$4,808) | 1.29× (above the median household income) | $487,293 | $143,100 | 0.68% |
| Red Feather Lakes | $112,800 | $2,632 | $375,000 | $138,696 (±$97,287, low reliability) | 0.81× | $475,000 | $138,500 | 0.60% |
| Bellvue | Too few to report | Too few to report | Too few to report | No Census figure | Too few to report | $792,295 | $218,300 | 0.54% |
| Weld County towns | ||||||||
| Windsor | $173,100 | $4,039 | $591,250 | $127,028 (±$5,803) | 1.36× (above the median household income) | $599,000 | $175,100 | 0.82% |
| Mead | $170,200 | $3,972 | $565,000 | $125,357 (±$18,451) | 1.36× (above the median household income) | $575,000 | $173,000 | 1.03% |
| Frederick | $161,000 | $3,757 | $550,000 | $129,460 (±$8,778) | 1.24× (above the median household income) | $515,000 | $151,800 | 0.77% |
| Firestone | $153,400 | $3,579 | $519,990 | $120,150 (±$10,198) | 1.28× (above the median household income) | $559,000 | $163,600 | 0.78% |
| Eaton | $150,400 | $3,509 | $535,000 | $106,294 (±$9,083) | 1.41× (above the median household income) | $616,750 | $170,900 | 0.42% |
| Severance | $147,100 | $3,433 | $482,500 | $124,572 (±$11,790) | 1.18× (above the median household income) | $489,450 | $149,000 | 0.99% |
| La Salle | $146,700 | $3,423 | $520,000 | $95,833 (±$14,491) | 1.53× (above the median household income) | $377,450 | $111,000 | 0.42% |
| Johnstown | $142,100 | $3,315 | $485,000 | $128,995 (±$9,061) | 1.10× (above the median household income) | $493,341 | $144,200 | 0.66% |
| Fort Lupton | $141,800 | $3,308 | $489,950 | $80,889 (±$17,011) | 1.75× (above the median household income) | $469,990 | $136,700 | 0.57% |
| Milliken | $134,700 | $3,143 | $455,000 | $107,500 (±$34,257) | 1.25× (above the median household income) | $470,000 | $138,600 | 0.68% |
| Dacono | $127,800 | $2,982 | $425,000 | $104,559 (±$6,862) | 1.22× (above the median household income) | $482,445 | $142,800 | 0.74% |
| Greeley | $124,900 | $2,914 | $425,300 | $69,881 (±$2,819) | 1.79× (above the median household income) | $439,000 | $128,400 | 0.55% |
| Evans | $111,800 | $2,608 | $370,500 | $75,563 (±$7,078) | 1.48× (above the median household income) | $395,000 | $118,100 | 0.61% |
| Boulder County and south | ||||||||
| Niwot | $366,700 | $8,555 | $1,368,500 | $146,492 (±$11,590) | 2.50× (above the median household income) | $1,537,500 | $409,900 | 0.57% |
| Boulder | $288,200 | $6,726 | $1,060,000 | $87,493 (±$6,221) | 3.29× (above the median household income) | $999,000 | $272,600 | 0.58% |
| Lyons | $258,900 | $6,042 | $950,000 | $122,837 (±$37,933) | 2.11× (above the median household income) | $868,500 | $238,100 | 0.55% |
| Erie | $207,000 | $4,830 | $710,000 | $173,349 (±$9,854) | 1.19× (above the median household income) | $689,950 | $201,600 | 0.92% |
| Longmont | $166,200 | $3,878 | $579,500 | $90,671 (±$2,975) | 1.83× (above the median household income) | $575,000 | $165,000 | 0.64% |
| Brighton | $151,100 | $3,525 | $508,849 | $107,679 (±$7,868) | 1.40× (above the median household income) | $544,000 | $160,400 | 0.81% |
Download this table: CSV.
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).
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.
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).
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.
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%.
Copy as written: 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/)
Cite as: SAA Homes, Income Needed to Buy a Home in Northern Colorado as of October 23, 2026, from IRES MLS prices, the Freddie Mac PMMS rate and Census ACS incomes, https://saahomes.com/resources/northern-colorado-income-needed-to-buy/. Please keep the as-of date and the rate with any figure.
Download the full table: CSV · JSON. Both carry the as-of date, the rate and every assumption.
The prices come from the Northern Colorado Market Report. Questions about the figures: call (970) 999-1407.
The figures are computed once a day with the Northern Colorado Market Report, from the IRES MLS feed behind the SAA Homes property search, the weekly Freddie Mac PMMS 30-year rate (FRED MORTGAGE30US) and Census household incomes (ACS table B19013). Every assumption:
The figures as CSV: https://saahomes.com/api/affordability/stats.csv, and as JSON: https://saahomes.com/api/affordability/stats. An estimate for comparison, not a loan offer.
Prices: live IRES MLS data · Updated daily. 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.
Adam and Mandi Schwartz help buyers across Northern Colorado work out what they can afford. Call SAA Homes at (970) 999-1407, try the mortgage calculator, or see more Northern Colorado housing data.