Mortgage Rates in Fort Collins, Colorado — March 2026
Updated March 2026 | Based on Fort Collins market data and regional lending conditions
Fort Collins is a growing city in Colorado with a population of 169,810. The current 30-year fixed mortgage rate in Fort Collins is 6.62%, which is 0.03% below the national average. With a median home price of $525,000 and a 20% down payment of $105,000, homebuyers can expect a monthly principal and interest payment of approximately $2,688.
Current Mortgage Rates in Fort Collins, CO
Below are the current average mortgage rates available in the Fort Collins 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% |
Fort Collins Housing Market Overview
The Fort Collins housing market is competitive with prices well above the national median. The median household income in Fort Collins is $65,250, and the cost of living index is 108.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $124,757 to comfortably afford the median-priced home in Fort Collins, which exceeds the current median household income.
Monthly Payment Breakdown for Fort Collins
Based on the median home price of $525,000 with 20% down ($105,000), here is what you can expect to pay monthly in Fort Collins:
15-Year vs. 30-Year Mortgage in Fort Collins
Choosing a 15-year mortgage in Fort Collins at 5.86% instead of a 30-year at 6.62% would save you $335,340 in total interest over the life of the loan. However, your monthly payment would be $3,513 instead of $2,688 — an increase of $825 per month.
Calculate Your Fort Collins 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 Fort Collins
What are the current mortgage rates in Fort Collins, CO?
As of March 2026, the average 30-year fixed mortgage rate in Fort Collins, 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 Fort Collins?
Based on the median home price of $525,000 with 20% down, the estimated monthly mortgage payment in Fort Collins is $2,688 for principal and interest. Including property taxes of $223/month, the total monthly housing cost is approximately $2,911.
What income do I need to buy a home in Fort Collins?
Using the 28% rule, you would need an annual income of approximately $124,757 to afford the median-priced home in Fort Collins at $525,000. The median household income in Fort Collins is $65,250. This means most households would need to either earn above the median or consider homes below $525,000.
Is Fort Collins a good place to buy a home in 2026?
Fort Collins has a moderate cost of living with a cost of living index of 108.5 (national average = 100). The property tax rate in Colorado is 0.51%, which is below the national average. Fort Collins has a population of 169,810 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 Fort Collins, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.