Mortgage Rates in Highlands Ranch, Colorado — March 2026
Updated March 2026 | Based on Highlands Ranch market data and regional lending conditions
Highlands Ranch is a growing city in Colorado with a population of 105,000. The current 30-year fixed mortgage rate in Highlands Ranch is 6.66%, which is 0.01% above the national average. With a median home price of $574,000 and a 20% down payment of $114,800, homebuyers can expect a monthly principal and interest payment of approximately $2,951.
Current Mortgage Rates in Highlands Ranch, CO
Below are the current average mortgage rates available in the Highlands Ranch 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 | 6.66% | 6.65% | +0.01% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Highlands Ranch Housing Market Overview
The Highlands Ranch housing market is competitive with prices well above the national median. The median household income in Highlands Ranch is $78,900, and the cost of living index is 107.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $136,714 to comfortably afford the median-priced home in Highlands Ranch, which exceeds the current median household income.
Monthly Payment Breakdown for Highlands Ranch
Based on the median home price of $574,000 with 20% down ($114,800), here is what you can expect to pay monthly in Highlands Ranch:
15-Year vs. 30-Year Mortgage in Highlands Ranch
Choosing a 15-year mortgage in Highlands Ranch at 5.92% instead of a 30-year at 6.66% would save you $368,460 in total interest over the life of the loan. However, your monthly payment would be $3,855 instead of $2,951 — an increase of $904 per month.
Calculate Your Highlands Ranch 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 Highlands Ranch
What are the current mortgage rates in Highlands Ranch, CO?
As of March 2026, the average 30-year fixed mortgage rate in Highlands Ranch, Colorado is 6.66%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Highlands Ranch?
Based on the median home price of $574,000 with 20% down, the estimated monthly mortgage payment in Highlands Ranch is $2,951 for principal and interest. Including property taxes of $239/month, the total monthly housing cost is approximately $3,190.
What income do I need to buy a home in Highlands Ranch?
Using the 28% rule, you would need an annual income of approximately $136,714 to afford the median-priced home in Highlands Ranch at $574,000. The median household income in Highlands Ranch is $78,900. This means most households would need to either earn above the median or consider homes below $574,000.
Is Highlands Ranch a good place to buy a home in 2026?
Highlands Ranch has a moderate cost of living with a cost of living index of 107.1 (national average = 100). The property tax rate in Colorado is 0.5%, which is below the national average. Highlands Ranch has a population of 105,000 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 Highlands Ranch, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.