Housing affordability index in Colorado
Housing affordability index in Colorado: puts one number on the housing question: 33.1% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
33.1%
principal + interest
Monthly payment
$2,473
on a $476,083 home
Median income
$89,744
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Pitkin County | 59.2% | $4,739 |
| 2 | Chaffee County | 48.8% | $2,674 |
| 3 | San Miguel County | 48% | $2,916 |
| 4 | Ouray County | 47.2% | $3,098 |
| 5 | Summit County | 47.1% | $3,948 |
| 6 | Eagle County | 45.9% | $3,783 |
| 7 | Routt County | 45.3% | $3,593 |
| 8 | Gunnison County | 43.2% | $2,754 |
| 9 | Boulder County | 41.9% | $3,486 |
| 10 | Archuleta County | 40.3% | $2,246 |
| 11 | Mineral County | 40.1% | $1,969 |
| 12 | Denver County | 39.2% | $2,807 |
| 13 | Hinsdale County | 39.2% | $1,918 |
| 14 | La Plata County | 37.9% | $2,586 |
| 15 | Jackson County | 36.6% | $1,181 |
| 16 | Teller County | 36.3% | $2,106 |
| 17 | Clear Creek County | 36.2% | $2,633 |
| 18 | Grand County | 36.2% | $2,396 |
| 19 | Larimer County | 34.9% | $2,536 |
| 20 | Garfield County | 33.8% | $2,334 |
| 21 | Jefferson County | 33.6% | $2,892 |
| 22 | Park County | 33.6% | $2,382 |
| 23 | Arapahoe County | 32.5% | $2,496 |
| 24 | Delta County | 32.2% | $1,514 |
| 25 | San Juan County | 31.9% | $1,790 |
| 26 | Elbert County | 31.2% | $3,237 |
| 27 | Montrose County | 31.2% | $1,631 |
| 28 | Broomfield County | 30.8% | $3,021 |
| 29 | Custer County | 30.8% | $1,699 |
| 30 | Adams County | 30.7% | $2,207 |
| 31 | Gilpin County | 30.2% | $2,417 |
| 32 | El Paso County | 29.4% | $2,028 |
| 33 | Fremont County | 29.3% | $1,373 |
| 34 | Huerfano County | 29% | $1,201 |
| 35 | Weld County | 28.8% | $2,141 |
| 36 | Montezuma County | 28.7% | $1,467 |
| 37 | Mesa County | 28.6% | $1,624 |
| 38 | Douglas County | 28.5% | $3,299 |
| 39 | Phillips County | 27.5% | $1,341 |
| 40 | Costilla County | 26.2% | $754 |
| 41 | Lake County | 26.1% | $1,719 |
| 42 | Lincoln County | 25.1% | $1,236 |
| 43 | Pueblo County | 25% | $1,238 |
| 44 | Morgan County | 24.5% | $1,441 |
| 45 | Las Animas County | 24.3% | $992 |
| 46 | Moffat County | 24.1% | $1,286 |
| 47 | Alamosa County | 23.7% | $1,031 |
| 48 | Logan County | 23.1% | $1,055 |
| 49 | Washington County | 22% | $1,082 |
| 50 | Rio Grande County | 21.9% | $1,051 |
| 51 | Conejos County | 21.8% | $802 |
| 52 | Yuma County | 20.9% | $1,047 |
| 53 | Rio Blanco County | 20.7% | $1,204 |
| 54 | Dolores County | 20% | $1,080 |
| 55 | Saguache County | 20% | $865 |
| 56 | Kit Carson County | 19.3% | $949 |
| 57 | Sedgwick County | 18.5% | $706 |
| 58 | Baca County | 17.7% | $622 |
| 59 | Kiowa County | 17.5% | $662 |
| 60 | Otero County | 17.4% | $689 |
| 61 | Cheyenne County | 15.8% | $864 |
| 62 | Prowers County | 15.2% | $624 |
| 63 | Bent County | 15.1% | $575 |
| 64 | Crowley County | 14.2% | $481 |
Methodology
Every county figure for Colorado uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.