Mortgage Rates in Broomfield, Colorado — March 2026
Updated March 2026 | Based on Broomfield market data and regional lending conditions
Broomfield is a growing city in Colorado with a population of 74,112. The current 30-year fixed mortgage rate in Broomfield is 6.63%, which is 0.02% below the national average. With a median home price of $536,000 and a 20% down payment of $107,200, homebuyers can expect a monthly principal and interest payment of approximately $2,747.
Current Mortgage Rates in Broomfield, CO
Below are the current average mortgage rates available in the Broomfield 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 | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Broomfield Housing Market Overview
The Broomfield housing market is competitive with prices well above the national median. The median household income in Broomfield is $75,100, and the cost of living index is 98.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $127,114 to comfortably afford the median-priced home in Broomfield, which exceeds the current median household income.
Monthly Payment Breakdown for Broomfield
Based on the median home price of $536,000 with 20% down ($107,200), here is what you can expect to pay monthly in Broomfield:
15-Year vs. 30-Year Mortgage in Broomfield
Choosing a 15-year mortgage in Broomfield at 5.89% instead of a 30-year at 6.63% would save you $342,180 in total interest over the life of the loan. However, your monthly payment would be $3,593 instead of $2,747 — an increase of $846 per month.
Calculate Your Broomfield Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Broomfield
What are the current mortgage rates in Broomfield, CO?
As of March 2026, the average 30-year fixed mortgage rate in Broomfield, Colorado is 6.63%, while the 15-year fixed rate is 5.89%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Broomfield?
Based on the median home price of $536,000 with 20% down, the estimated monthly mortgage payment in Broomfield is $2,747 for principal and interest. Including property taxes of $219/month, the total monthly housing cost is approximately $2,966.
What income do I need to buy a home in Broomfield?
Using the 28% rule, you would need an annual income of approximately $127,114 to afford the median-priced home in Broomfield at $536,000. The median household income in Broomfield is $75,100. This means most households would need to either earn above the median or consider homes below $536,000.
Is Broomfield a good place to buy a home in 2026?
Broomfield offers a below-average cost of living with a cost of living index of 98.2 (national average = 100). The property tax rate in Colorado is 0.49%, which is below the national average. Broomfield has a population of 74,112 and offers a balanced lifestyle.
Mortgage Rates in Other Colorado Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Broomfield, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.