Mortgage Rates in Dacono, Colorado — March 2026
Updated March 2026 | Based on Dacono market data and regional lending conditions
Dacono is a growing city in Colorado with a population of 6,476. The current 30-year fixed mortgage rate in Dacono is 6.79%, which is 0.14% above the national average. With a median home price of $423,000 and a 20% down payment of $84,600, homebuyers can expect a monthly principal and interest payment of approximately $2,204.
Current Mortgage Rates in Dacono, CO
Below are the current average mortgage rates available in the Dacono 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Dacono Housing Market Overview
The Dacono housing market reflects moderate demand with prices near the national average. The median household income in Dacono is $61,900, and the cost of living index is 98.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $102,000 to comfortably afford the median-priced home in Dacono, which exceeds the current median household income.
Monthly Payment Breakdown for Dacono
Based on the median home price of $423,000 with 20% down ($84,600), here is what you can expect to pay monthly in Dacono:
15-Year vs. 30-Year Mortgage in Dacono
Choosing a 15-year mortgage in Dacono at 6.02% instead of a 30-year at 6.79% would save you $278,820 in total interest over the life of the loan. However, your monthly payment would be $2,859 instead of $2,204 — an increase of $655 per month.
Calculate Your Dacono 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 Dacono
What are the current mortgage rates in Dacono, CO?
As of March 2026, the average 30-year fixed mortgage rate in Dacono, Colorado is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Dacono?
Based on the median home price of $423,000 with 20% down, the estimated monthly mortgage payment in Dacono is $2,204 for principal and interest. Including property taxes of $176/month, the total monthly housing cost is approximately $2,380.
What income do I need to buy a home in Dacono?
Using the 28% rule, you would need an annual income of approximately $102,000 to afford the median-priced home in Dacono at $423,000. The median household income in Dacono is $61,900. This means most households would need to either earn above the median or consider homes below $423,000.
Is Dacono a good place to buy a home in 2026?
Dacono offers a below-average cost of living with a cost of living index of 98.5 (national average = 100). The property tax rate in Colorado is 0.5%, which is below the national average. Dacono has a population of 6,476 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 Dacono, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.