Mortgage Rates in Boulder, Colorado — March 2026
Updated March 2026 | Based on Boulder market data and regional lending conditions
Boulder is a growing city in Colorado with a population of 105,673. The current 30-year fixed mortgage rate in Boulder is 6.62%, which is 0.03% below the national average. With a median home price of $825,000 and a 20% down payment of $165,000, homebuyers can expect a monthly principal and interest payment of approximately $4,224.
Current Mortgage Rates in Boulder, CO
Below are the current average mortgage rates available in the Boulder area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.86% | 5.89% | -0.03% |
| 5/1 ARM | 6.12% | 6.15% | -0.03% |
| FHA | 6.22% | 6.25% | -0.03% |
| VA | 6.02% | 6.05% | -0.03% |
| Jumbo | 6.82% | 6.85% | -0.03% |
Boulder Housing Market Overview
The Boulder housing market is competitive with prices well above the national median. The median household income in Boulder is $72,250, and the cost of living index is 135.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $196,071 to comfortably afford the median-priced home in Boulder, which exceeds the current median household income.
Monthly Payment Breakdown for Boulder
Based on the median home price of $825,000 with 20% down ($165,000), here is what you can expect to pay monthly in Boulder:
15-Year vs. 30-Year Mortgage in Boulder
Choosing a 15-year mortgage in Boulder at 5.86% instead of a 30-year at 6.62% would save you $527,040 in total interest over the life of the loan. However, your monthly payment would be $5,520 instead of $4,224 — an increase of $1,296 per month.
Calculate Your Boulder Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Boulder
What are the current mortgage rates in Boulder, CO?
As of March 2026, the average 30-year fixed mortgage rate in Boulder, Colorado is 6.62%, while the 15-year fixed rate is 5.86%. FHA loans average 6.22% and VA loans 6.02%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Boulder?
Based on the median home price of $825,000 with 20% down, the estimated monthly mortgage payment in Boulder is $4,224 for principal and interest. Including property taxes of $351/month, the total monthly housing cost is approximately $4,575.
What income do I need to buy a home in Boulder?
Using the 28% rule, you would need an annual income of approximately $196,071 to afford the median-priced home in Boulder at $825,000. The median household income in Boulder is $72,250. This means most households would need to either earn above the median or consider homes below $825,000.
Is Boulder a good place to buy a home in 2026?
Boulder has a higher cost of living than average with a cost of living index of 135.5 (national average = 100). The property tax rate in Colorado is 0.51%, which is below the national average. Boulder has a population of 105,673 and offers a balanced lifestyle.
Mortgage Rates in Other Colorado Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Boulder, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.