Mortgage Rates in Commerce City, Colorado — March 2026
Updated March 2026 | Based on Commerce City market data and regional lending conditions
Commerce City is a growing city in Colorado with a population of 62,721. The current 30-year fixed mortgage rate in Commerce City is 6.83%, which is 0.18% above the national average. With a median home price of $473,000 and a 20% down payment of $94,600, homebuyers can expect a monthly principal and interest payment of approximately $2,474.
Current Mortgage Rates in Commerce City, CO
Below are the current average mortgage rates available in the Commerce City 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 | 6.83% | 6.65% | +0.18% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.08% | 6.85% | +0.23% |
Commerce City Housing Market Overview
The Commerce City housing market reflects moderate demand with prices near the national average. The median household income in Commerce City is $72,900, and the cost of living index is 111.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $114,986 to comfortably afford the median-priced home in Commerce City, which exceeds the current median household income.
Monthly Payment Breakdown for Commerce City
Based on the median home price of $473,000 with 20% down ($94,600), here is what you can expect to pay monthly in Commerce City:
15-Year vs. 30-Year Mortgage in Commerce City
Choosing a 15-year mortgage in Commerce City at 6.05% instead of a 30-year at 6.83% would save you $314,100 in total interest over the life of the loan. However, your monthly payment would be $3,203 instead of $2,474 — an increase of $729 per month.
Calculate Your Commerce City 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 Commerce City
What are the current mortgage rates in Commerce City, CO?
As of March 2026, the average 30-year fixed mortgage rate in Commerce City, Colorado is 6.83%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.18% above the national average of 6.65%.
How much is a monthly mortgage payment in Commerce City?
Based on the median home price of $473,000 with 20% down, the estimated monthly mortgage payment in Commerce City is $2,474 for principal and interest. Including property taxes of $209/month, the total monthly housing cost is approximately $2,683.
What income do I need to buy a home in Commerce City?
Using the 28% rule, you would need an annual income of approximately $114,986 to afford the median-priced home in Commerce City at $473,000. The median household income in Commerce City is $72,900. This means most households would need to either earn above the median or consider homes below $473,000.
Is Commerce City a good place to buy a home in 2026?
Commerce City has a moderate cost of living with a cost of living index of 111.1 (national average = 100). The property tax rate in Colorado is 0.53%, which is below the national average. Commerce City has a population of 62,721 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 Commerce City, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.