Home Values in Fort Collins, Colorado — 2026 Market Report
Updated March 2026 | Balanced Market | +4.5% YoY
The median home value in Fort Collins, Colorado is $525,000 as of March 2026, which is above the national median of $400,000. Home values in Fort Collins have increased by 4.5% over the past year and 24.6% over the last five years. With a population of 169,810 and a median household income of $65,250, the price-to-income ratio stands at 8.0x, making Fort Collins affordable for the average household.
Fort Collins Housing Market Conditions
| Metric | Fort Collins | National Avg |
|---|---|---|
| Median Home Value | $525,000 | $400,000 |
| YoY Appreciation | +4.5% | +3.8% |
| 5-Year Appreciation | +24.6% | +22.4% |
| Price per Sq Ft | $241 | $222 |
| Days on Market | 44 days | 45 days |
| Months of Supply | 4.2 | 3.5 |
| List-to-Sale Ratio | 99.7% | 98.5% |
| Monthly Homes Sold | 89 | — |
| Foreclosure Rate | 0.56% | 0.3% |
Home Value Trends in Fort Collins
A homeowner who purchased at the median price of $421,348 five years ago in Fort Collins would have gained approximately $103,652 in equity, representing a 24.6% return on investment. Over the past year alone, the typical homeowner gained $22,608 in home equity.
Affordability in Fort Collins, CO
With a median household income of $65,250 and a median home price of $525,000, the price-to-income ratio in Fort Collins is 8.0x. A ratio below 3x is generally considered affordable, while above 5x indicates significant affordability challenges. The average monthly rent of $3,607 compared to estimated monthly ownership costs of $2,717 gives a rent-vs-buy ratio of 0.75. In Fort Collins, buying is currently competitive with renting when factoring in equity accumulation.
Property Taxes in Fort Collins
The effective property tax rate in Colorado is 0.51%. On a home valued at $525,000, the estimated annual property tax bill is $2,678, or approximately $223/month. Property taxes are an important factor in the total cost of homeownership and can significantly impact affordability. The cost of living index in Fort Collins is 108.5 (100 = national average), indicating living costs are near the national average.
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Open Mortgage CalculatorFrequently Asked Questions
What is the median home value in Fort Collins, CO?
The median home value in Fort Collins, Colorado is $525,000 as of March 2026. Home values have changed +4.5% over the past year, with a 5-year appreciation of 24.6%.
Is Fort Collins a buyer's or seller's market?
Fort Collins is currently a balanced market with 4.2 months of housing supply. Homes spend an average of 44 days on market, and the list-to-sale price ratio is 99.7%. Supply and demand are relatively balanced.
Are home values going up in Fort Collins?
Yes, home values in Fort Collins have increased by 4.5% over the past year. The 5-year appreciation rate is 24.6%, meaning a home worth $421,348 five years ago is now worth $525,000.
Is it better to rent or buy in Fort Collins?
The average monthly rent in Fort Collins is $3,607, while estimated monthly homeownership costs are approximately $2,717. The price-to-rent ratio is 12.1. Based on current conditions, buying may be more cost-effective than renting in this market.
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Disclaimer: Home value data for Fort Collins, Colorado is based on publicly available market data and estimates. Actual home values may vary based on property condition, location within the city, and current market conditions. Data is updated regularly but may not reflect the most recent transactions. Last updated: March 2026.