Mortgage Rates in Westminster, Colorado — March 2026
Updated March 2026 | Based on Westminster market data and regional lending conditions
Westminster is a growing city in Colorado with a population of 116,317. The current 30-year fixed mortgage rate in Westminster is 6.62%, which is 0.03% below the national average. With a median home price of $465,000 and a 20% down payment of $93,000, homebuyers can expect a monthly principal and interest payment of approximately $2,381.
Current Mortgage Rates in Westminster, CO
Below are the current average mortgage rates available in the Westminster 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% |
Westminster Housing Market Overview
The Westminster housing market reflects moderate demand with prices near the national average. The median household income in Westminster is $72,250, and the cost of living index is 105.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $110,529 to comfortably afford the median-priced home in Westminster, which exceeds the current median household income.
Monthly Payment Breakdown for Westminster
Based on the median home price of $465,000 with 20% down ($93,000), here is what you can expect to pay monthly in Westminster:
15-Year vs. 30-Year Mortgage in Westminster
Choosing a 15-year mortgage in Westminster at 5.86% instead of a 30-year at 6.62% would save you $297,180 in total interest over the life of the loan. However, your monthly payment would be $3,111 instead of $2,381 — an increase of $730 per month.
Calculate Your Westminster 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 Westminster
What are the current mortgage rates in Westminster, CO?
As of March 2026, the average 30-year fixed mortgage rate in Westminster, 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 Westminster?
Based on the median home price of $465,000 with 20% down, the estimated monthly mortgage payment in Westminster is $2,381 for principal and interest. Including property taxes of $198/month, the total monthly housing cost is approximately $2,579.
What income do I need to buy a home in Westminster?
Using the 28% rule, you would need an annual income of approximately $110,529 to afford the median-priced home in Westminster at $465,000. The median household income in Westminster is $72,250. This means most households would need to either earn above the median or consider homes below $465,000.
Is Westminster a good place to buy a home in 2026?
Westminster has a moderate cost of living with a cost of living index of 105.5 (national average = 100). The property tax rate in Colorado is 0.51%, which is below the national average. Westminster has a population of 116,317 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 Westminster, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.