El Paso County, Colorado financial profile

A two-bedroom at Fair Market Rent takes 25.2% of the median household income here, inside the 30% affordability line.

We use data from HUD Fair Market Rent and data from Census ACS median household income.

The typical home costs 4.7 times the median household income — above the 3–4× range lenders traditionally treat as comfortable.

We use data from Census ACS median home value and data from Census ACS median household income.

House prices in this county moved 39.0% over five years, which on today's median value is about $109,666 of the price.

We use data from FHFA House Price Index (5-year) and data from Census ACS median home value.

FEMA’s National Risk Index rates this county “Relatively Moderate” for overall natural hazard risk on its own national scale (composite risk score 94.1), and it has been inside 10 federal disaster declarations in the last 15 years, led by wildfire. That is what drives homeowners insurance pricing.

We use data from FEMA National Risk Index and data from FEMA disaster declarations (15 years).

14.4% of mortgage applications here are denied, versus 17.7% nationally — 3.3 points easier than the national picture.

We use data from CFPB HMDA county aggregates and data from CFPB HMDA national aggregates.

At 15.8¢ per kilowatt-hour, a typical 900 kWh month costs about $143 — 2.1% of the median household income over a year.

We use data from EIA average retail electricity price and data from Census ACS median household income.

Feeding two adults and two school-age children at USDA's low-cost plan runs about $1,125 a month (6/2026 prices) — 16.3% of the median household income here, before rent, energy or health cover.

We use data from USDA Food Plans: Cost of Food at Home, June 2026 (June 2026) (household-adjusted) and data from Census ACS median household income.

The average Social Security payment in this county is $1,968 a month (December 2025), and a two-bedroom at Fair Market Rent is $1,735 — 88.2% of that cheque, a calculation that touches 127,520 beneficiaries locally.

We use data from SSA OASDI beneficiaries by county and data from HUD Fair Market Rent.

NAIC puts the average Colorado car insurance premium at $1,655 a year and the average owner-occupied HO-3 homeowners premium at $2,492 (2023 data). Together that is 5.0% of the median household income in this county. Both figures are state averages — NAIC does not publish county premiums, so we never break them down further, and an average premium reflects each state's coverage limits, deductibles, risk and regulation rather than the price of cover alone.

We use data from NAIC auto and homeowners insurance reports (state) and data from Census ACS median household income.

The Colorado average HO-3 premium of $2,492 works out at $6.38 for every $1,000 of the $390,500 median home value in this county. High-hazard states such as Louisiana, Florida and Oklahoma sit far above the national picture on this measure.

We use data from NAIC homeowners report, HO-3 state average and data from Census ACS median home value.