Mortgage Rates in Colorado — April 2026
Compare current mortgage rates across 76 cities in Colorado. The average 30-year fixed rate is 6.73%, which is 0.64% above the national average of 6.09%.
Colorado Housing Highlights
All 76 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 |
| Montrose | 6.31% | $345,000 | $1,711 | 21,012 |
| Palmer Lake | 6.72% | $370,000 | $1,914 | 20,617 |
| Clifton | 6.74% | $412,000 | $2,136 | 20,458 |
| Golden | 6.78% | $439,000 | $2,285 | 20,399 |
| Redlands | 6.67% | $395,000 | $2,033 | 19,902 |
| Sherrelwood | 6.77% | $464,000 | $2,413 | 19,337 |
| Durango | 6.58% | $545,000 | $2,778 | 19,071 |
| Johnstown | 6.86% | $483,000 | $2,535 | 18,520 |
| Firestone | 6.8% | $475,000 | $2,477 | 17,524 |
| Canon City | 6.82% | $513,000 | $2,681 | 16,990 |
| Frederick | 6.74% | $431,000 | $2,234 | 15,921 |
| Sterling | 6.9% | $456,000 | $2,403 | 14,777 |
| Fruita | 6.66% | $436,000 | $2,241 | 14,178 |
| Black Forest | 6.84% | $410,000 | $2,147 | 13,116 |
| Superior | 6.62% | $498,000 | $2,550 | 13,094 |
| Steamboat Springs | 6.81% | $466,000 | $2,433 | 13,048 |
| Fort Morgan | 6.71% | $462,000 | $2,387 | 11,315 |
| Rifle | 6.72% | $427,000 | $2,209 | 10,157 |
| Glenwood Springs | 6.81% | $491,000 | $2,563 | 10,008 |
| Wellington | 6.84% | $434,000 | $2,273 | 10,000 |
| Alamosa | 6.75% | $448,000 | $2,325 | 9,806 |
| Southglenn | 6.73% | $400,000 | $2,071 | 9,583 |
| Craig | 6.72% | $463,000 | $2,395 | 9,464 |
| Delta | 6.89% | $414,000 | $2,179 | 9,096 |
| Trinidad | 6.83% | $469,000 | $2,454 | 8,101 |
| Woodland Park | 6.88% | $480,000 | $2,524 | 7,891 |
| Monument | 6.74% | $414,000 | $2,146 | 7,691 |
| Eagle | 6.63% | $479,000 | $2,455 | 7,600 |
| Lamar | 6.83% | $424,000 | $2,218 | 7,568 |
| Avon | 6.78% | $485,000 | $2,524 | 6,996 |
| Carbondale | 6.71% | $465,000 | $2,403 | 6,833 |
| La Junta | 6.78% | $413,000 | $2,150 | 6,778 |
| Dacono | 6.79% | $423,000 | $2,204 | 6,476 |
| Salida | 6.65% | $475,000 | $2,439 | 5,936 |
| Glendale | 6.65% | $456,000 | $2,342 | 5,195 |
| Silverthorne | 6.89% | $400,000 | $2,105 | 4,540 |
Colorado Mortgage Rates Guide — 2026
Colorado homebuyers currently see an average 30-year fixed mortgage rate of 6.73%, with median home prices around $476,342. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $2,467.
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 $105,729 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Colorado Mortgages
What are current mortgage rates in Colorado?
As of April 2026, the average 30-year fixed mortgage rate in Colorado is 6.73% and the 15-year fixed rate averages 5.97%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Colorado?
The median home price across 76 cities in Colorado is $476,342. 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 $105,729 to comfortably afford the average home in Colorado. The median household income in the state is approximately $69,087.
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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