Mortgage Rates in Colorado — June 2026
Compare mortgage rate benchmarks across 77 cities in Colorado. Amortio's estimated state average for a 30-year fixed loan is 6.73%, which is 0.25% above the Freddie Mac national benchmark of 6.48% from June 4, 2026. These figures are informational estimates, not lender quotes or APR offers.
What is the current Colorado mortgage-rate benchmark?
Amortio's Colorado state table shows an estimated 6.73% 30-year benchmark across 77 cities, versus Freddie Mac's 6.48% national 30-year PMMS benchmark from June 4, 2026. Use it to compare city payments, then request same-day lender Loan Estimates for APR, points, fees, lock period, and cash-to-close.
How to Read Colorado Mortgage Rates
Colorado is not one uniform mortgage market. The rate table below covers 77 cities, but the real payment difference comes from home price, income, property taxes, loan size, and whether a borrower fits conventional, FHA, VA, or jumbo pricing. Use this page to compare cities first, then use lender quotes for final APR and fee decisions.
- At the state-average payment of $2,469 per month and median income of $68,969, Colorado looks stretched relative to the standard 28% housing-cost guideline.
- The observed city-level 30-year benchmark spread is 0.59 percentage points, from 6.31% to 6.9%. Even small rate differences matter more in expensive cities because they apply to larger loan balances.
- Average property-tax pressure is relatively low, so purchase price and rate lock timing usually drive more of the monthly-payment difference.
- For buyers comparing down payment choices, pair this state page with the PMI calculator, affordability calculator, and closing cost estimator before assuming the lowest advertised rate creates the lowest total cost.
Payment-Efficient Colorado Cities
| City | P&I / Income | Monthly P&I | Median Income | 30-Year Rate |
|---|---|---|---|---|
| Palmer Lake | 26% | $1,914 | $88,500 | 6.72% |
| Redlands | 26.4% | $2,033 | $92,500 | 6.67% |
| Southglenn | 32.7% | $2,071 | $75,900 | 6.73% |
| Black Forest | 33.8% | $2,147 | $76,300 | 6.84% |
| Georgetown | 33.9% | $1,994 | $70,500 | 6.86% |
Highest-Priced Colorado Markets to Stress-Test
Colorado Mortgage Quote Comparison Worksheet
Use this checklist before choosing between lender quotes, state assistance, builder credits, or a temporary buydown. It is built to catch the costs that do not show up in a simple rate table.
| Line Item | What to Compare |
|---|---|
| Rate vs APR | APR exposes points, lender fees, and credits that can hide inside a lower advertised rate. |
| Cash to close | Compare down payment, closing costs, prepaid taxes, insurance escrow, and any assistance or seller credit. |
| Payment after escrow | Colorado buyers should compare principal, interest, property tax, insurance, HOA or condo dues, and mortgage insurance together. |
| Assistance terms | Down payment assistance can be a grant, forgivable second, deferred second, or repayable loan; the repayment rule changes the real cost. |
| Rate lock and buydown | Temporary buydowns and lender credits can improve the first-year payment while leaving a higher long-run payment. |
A strong Colorado mortgage comparison should include at least two lender Loan Estimates plus one program or assistance check where available. Pair this worksheet with the affordability calculator, PMI calculator, and closing cost estimator.
Colorado CHFA, Front Range & Assistance Notes
Colorado borrowers should compare mortgage-rate benchmarks with CHFA resources, down payment assistance, Front Range price pressure, mountain-market insurance and HOA costs, and whether a lender credit or buydown changes long-run affordability. This page is for planning and comparison, not a lender quote or APR offer.
- Colorado Housing and Finance Authority works with participating lenders and community partners across Colorado and is the main statewide housing finance resource for many homebuyer programs.
- Colorado Division of Housing describes CHFA resources and notes participating lenders and partners help deploy resources statewide.
- Denver, Colorado Springs, Aurora, Fort Collins, Boulder, mountain towns, and Western Slope markets can differ sharply by price, HOA, insurance, and commute assumptions.
- Down payment assistance, buydowns, and lender credits should be compared against APR, points, fees, mortgage insurance, cash-to-close, and payment after any temporary buydown ends.
Colorado Loan Limit & CHFA Checks
| Area | Conforming | FHA | Why It Matters |
|---|---|---|---|
| Colorado conventional loans | Use FHFA lookup | Use HUD lookup | High-cost county rules can matter in expensive Front Range and resort markets. |
| CHFA-assisted purchase | Program-specific | Program-specific | Lender, education, income, property, and assistance rules should be verified with CHFA resources. |
| Mountain or resort purchase | Loan limit plus insurance/appraisal | HUD county lookup | HOA dues, insurance, appraisal, and property type can change approval and payment. |
Official Colorado Mortgage Sources
Colorado Housing Highlights
All 77 Cities in Colorado
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Denver | 6.62% | $555,000 | $2,842 | 715,522 |
| Colorado Springs | 6.62% | $430,000 | $2,202 | 478,961 |
| Aurora | 6.62% | $445,000 | $2,278 | 386,261 |
| Fort Collins | 6.62% | $525,000 | $2,688 | 169,810 |
| Lakewood | 6.62% | $485,000 | $2,483 | 156,503 |
| Thornton | 6.62% | $465,000 | $2,381 | 141,867 |
| Arvada | 6.62% | $525,000 | $2,688 | 124,402 |
| Westminster | 6.62% | $465,000 | $2,381 | 116,317 |
| Pueblo | 6.62% | $245,000 | $1,254 | 111,876 |
| Centennial | 6.64% | $507,000 | $2,601 | 110,263 |
| Greeley | 6.62% | $395,000 | $2,022 | 108,795 |
| Boulder | 6.62% | $825,000 | $4,224 | 105,673 |
| Highlands Ranch | 6.66% | $574,000 | $2,951 | 105,000 |
| Longmont | 6.62% | $535,000 | $2,739 | 98,885 |
| Loveland | 6.62% | $485,000 | $2,483 | 76,378 |
| Broomfield | 6.63% | $536,000 | $2,747 | 74,112 |
| Castle Rock | 6.67% | $510,000 | $2,625 | 73,158 |
| Grand Junction | 6.68% | $488,000 | $2,514 | 65,560 |
| Commerce City | 6.83% | $473,000 | $2,474 | 62,721 |
| Parker | 6.79% | $574,000 | $2,991 | 57,706 |
| Littleton | 6.7% | $500,000 | $2,581 | 46,208 |
| Alma | 6.78% | $515,000 | $2,680 | 43,080 |
| Brighton | 6.61% | $535,000 | $2,736 | 42,033 |
| Northglenn | 6.87% | $512,000 | $2,689 | 39,000 |
| Security-Widefield | 6.76% | $522,000 | $2,711 | 38,639 |
| Windsor | 6.75% | $527,000 | $2,734 | 36,491 |
| Englewood | 6.86% | $489,000 | $2,566 | 34,840 |
| Ken Caryl | 6.62% | $502,000 | $2,570 | 33,689 |
| Kremmling | 6.85% | $660,000 | $3,460 | 32,703 |
| Pueblo West | 6.71% | $525,000 | $2,713 | 32,351 |
| Wheat Ridge | 6.88% | $532,000 | $2,797 | 31,889 |
| Fountain | 6.82% | $494,000 | $2,582 | 30,240 |
| Lafayette | 6.85% | $435,000 | $2,280 | 30,217 |
| Erie | 6.89% | $434,000 | $2,284 | 30,038 |
| Georgetown | 6.86% | $380,000 | $1,994 | 27,872 |
| Olathe | 6.89% | $600,000 | $3,158 | 27,528 |
| Rangely | 6.63% | $500,000 | $2,563 | 22,459 |
| Sheridan | 6.7% | $450,000 | $2,323 | 22,244 |
| Evans | 6.7% | $474,000 | $2,447 | 22,165 |
| Louisville | 6.87% | $514,000 | $2,700 | 21,226 |
| 37 more Colorado city mortgage-rate pages are available as individual pages and in the XML sitemap. | ||||
Colorado Mortgage Rates Guide — 2026
Colorado homebuyers can use an estimated 30-year fixed benchmark of 6.73%, with median home prices around $476,779. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $2,469.
The most affordable city for homebuyers in Colorado is Pueblo, where the median home price is $245,000. On the other end, Boulder has the highest prices at $825,000. Property tax rates across the state average 0.51%.
To comfortably afford a home at the state average price, a household income of approximately $105,814 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
For Colorado mortgage-rate searches, compare Front Range cities separately from mountain and resort markets. The same rate can produce different risk because of price level, HOA dues, insurance, appraisal complexity, and local inventory.
Use our free loan calculator to see your estimated monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Methodology & Mortgage Rate Data Sources
How we calculate Colorado mortgage rates: Our rate estimates start with weekly mortgage-rate benchmarks and then compare city-level housing assumptions. They are designed for planning and comparison, not as a guarantee of lender pricing.
- Benchmark mortgage rates from Freddie Mac Primary Mortgage Market Survey (PMMS) — the most-cited weekly survey of 30-year and 15-year fixed conforming rates.
- Federal Reserve rate policy tracked via FRED — Federal Reserve Economic Data — the St. Louis Fed's authoritative database of interest rate series.
- Conforming loan limits set annually by the FHFA Conforming Loan Limit announcements (Colorado 2026: $832,750 baseline, with higher one-unit limits in high-cost counties).
- State lending regulation context from HUD State Information pages covering FHA, down payment assistance, and housing finance agency programs in Colorado.
- Mortgage market trends tracked via Mortgage Bankers Association (MBA) Weekly Applications Survey — the industry benchmark for mortgage demand and rate sensitivity.
Authoritative mortgage rate data sources:
- Freddie Mac PMMS — weekly 30yr and 15yr fixed rate benchmark
- FRED — Federal Reserve Economic Data — interest rate and housing series
- FHFA — Federal Housing Finance Agency — conforming loan limits and HPI
- HUD — Housing and Urban Development — FHA programs and state assistance
- CHFA — Colorado Housing and Finance Authority official site
- CFPB Mortgage Rate Checker — personalized rate comparison tool
- VA Home Loan Program — zero down payment loan for eligible veterans
Rate Disclaimer: Rates shown are estimates based on current market surveys and may not reflect actual lender quotes. Your rate depends on credit score, loan-to-value ratio, down payment, property type, and lender. Always obtain personalized rate quotes from multiple lenders. Rates change daily.
Reviewed by Brazora Monk · Last updated May 2026 · Freddie Mac PMMS data current as of June 4, 2026
Frequently Asked Questions — Colorado Mortgages
What are current mortgage rates in Colorado?
As of June 4, 2026, Freddie Mac's national benchmark was 6.48% for the 30-year fixed and 5.79% for the 15-year fixed. Amortio's Colorado city comparison shows an estimated 30-year benchmark average of 6.73% and 15-year average of 5.97%. Rates vary by city, lender, lock date, fees, and borrower qualification.
What is the average home price in Colorado?
The median home price across 77 cities in Colorado is $476,779. Prices range from $245,000 in Pueblo to $825,000 in Boulder.
How much income do I need to buy a house in Colorado?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $105,814 to comfortably afford the average home in Colorado. The median household income in the state is approximately $68,969.
What Colorado mortgage resource should buyers check?
Colorado buyers should review CHFA homebuyer resources and approved lender options, then compare those quotes against conventional, FHA, VA, USDA, and market lender offers by APR, fees, assistance, and cash to close.
Why should Colorado buyers stress-test more than the rate?
Colorado affordability can change with home price, HOA dues, mountain or wildfire insurance, property taxes, commute costs, assistance terms, buydowns, and lender fees. Rate alone is not enough to compare offers.
Colorado Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in Colorado. Rates can vary by neighborhood based on local property values and lending conditions.
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