The 20 most affordable cities in Colorado to buy a house

Homeownership is fundamental to the American dream. It offers wealth, security, community, and countless other benefits. Yet for many Colorado residents, the dream feels increasingly out of reach—even as incomes rise and mortgage rates fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers stuck and younger generations priced out.

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, Redfin Real Estate ranked the most affordable cities in Colorado, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this recent Redfin article.

#1. Erie, Colorado
- Payment to income ratio: 35.5%
- Median sale price: $758,836
- Median household income: $163,644
- Income needed to buy: $193,778
- Median monthly mortgage payment: $4,844
- See homes for sale in Erie on Redfin.com

#2. Highlands Ranch, Colorado
- Payment to income ratio: 36.8%
- Median sale price: $748,790
- Median household income: $155,847
- Income needed to buy: $191,213
- Median monthly mortgage payment: $4,780
- See homes for sale in Highlands Ranch on Redfin.com

#3. Commerce City, Colorado
- Payment to income ratio: 37.4%
- Median sale price: $521,427
- Median household income: $106,756
- Income needed to buy: $133,153
- Median monthly mortgage payment: $3,329
- See homes for sale in Commerce City on Redfin.com

#4. Windsor, Colorado
- Payment to income ratio: 37.5%
- Median sale price: $596,052
- Median household income: $121,758
- Income needed to buy: $152,210
- Median monthly mortgage payment: $3,805
- See homes for sale in Windsor on Redfin.com

#5. Dakota Ridge, Colorado
- Payment to income ratio: 39.6%
- Median sale price: $622,410
- Median household income: $120,368
- Income needed to buy: $158,940
- Median monthly mortgage payment: $3,974
- See homes for sale in Dakota Ridge on Redfin.com

#6. Brighton, Colorado
- Payment to income ratio: 40.2%
- Median sale price: $526,014
- Median household income: $100,134
- Income needed to buy: $134,324
- Median monthly mortgage payment: $3,358
- See homes for sale in Brighton on Redfin.com

#7. Columbine, Colorado
- Payment to income ratio: 41.6%
- Median sale price: $703,176
- Median household income: $129,480
- Income needed to buy: $179,565
- Median monthly mortgage payment: $4,489
- See homes for sale in Columbine on Redfin.com

#8. Parker, Colorado
- Payment to income ratio: 41.9%
- Median sale price: $707,722
- Median household income: $129,342
- Income needed to buy: $180,726
- Median monthly mortgage payment: $4,518
- See homes for sale in Parker on Redfin.com

#9. Centennial, Colorado
- Payment to income ratio: 42.3%
- Median sale price: $707,903
- Median household income: $128,167
- Income needed to buy: $180,772
- Median monthly mortgage payment: $4,519
- See homes for sale in Centennial on Redfin.com

#10. Thornton, Colorado
- Payment to income ratio: 43.5%
- Median sale price: $573,491
- Median household income: $100,985
- Income needed to buy: $146,448
- Median monthly mortgage payment: $3,661
- See homes for sale in Thornton on Redfin.com

#11. Broomfield, Colorado
- Payment to income ratio: 45.4%
- Median sale price: $717,835
- Median household income: $121,025
- Income needed to buy: $183,308
- Median monthly mortgage payment: $4,583
- See homes for sale in Broomfield on Redfin.com

#12. Ken Caryl, Colorado
- Payment to income ratio: 45.6%
- Median sale price: $695,551
- Median household income: $116,838
- Income needed to buy: $177,618
- Median monthly mortgage payment: $4,440
- See homes for sale in Ken Caryl on Redfin.com

#13. Northglenn, Colorado
- Payment to income ratio: 46.0%
- Median sale price: $477,511
- Median household income: $79,530
- Income needed to buy: $121,939
- Median monthly mortgage payment: $3,048
- See homes for sale in Northglenn on Redfin.com

#14. Arvada, Colorado
- Payment to income ratio: 46.3%
- Median sale price: $684,652
- Median household income: $113,396
- Income needed to buy: $174,835
- Median monthly mortgage payment: $4,371
- See homes for sale in Arvada on Redfin.com

#15. Westminster, Colorado
- Payment to income ratio: 46.8%
- Median sale price: $587,830
- Median household income: $96,145
- Income needed to buy: $150,110
- Median monthly mortgage payment: $3,753
- See homes for sale in Westminster on Redfin.com

#16. Aurora, Colorado
- Payment to income ratio: 46.9%
- Median sale price: $516,535
- Median household income: $84,320
- Income needed to buy: $131,904
- Median monthly mortgage payment: $3,298
- See homes for sale in Aurora on Redfin.com

#17. Loveland, Colorado
- Payment to income ratio: 48.0%
- Median sale price: $517,885
- Median household income: $82,592
- Income needed to buy: $132,249
- Median monthly mortgage payment: $3,306
- See homes for sale in Loveland on Redfin.com

#18. Englewood, Colorado
- Payment to income ratio: 50.7%
- Median sale price: $542,393
- Median household income: $82,016
- Income needed to buy: $138,507
- Median monthly mortgage payment: $3,463
- See homes for sale in Englewood on Redfin.com

#19. Longmont, Colorado
- Payment to income ratio: 50.8%
- Median sale price: $594,675
- Median household income: $89,724
- Income needed to buy: $151,858
- Median monthly mortgage payment: $3,796
- See homes for sale in Longmont on Redfin.com

#20. Littleton, Colorado
- Payment to income ratio: 55.4%
- Median sale price: $698,480
- Median household income: $96,611
- Income needed to buy: $178,366
- Median monthly mortgage payment: $4,459
- See homes for sale in Littleton on Redfin.com