Mortgage Payment Calculator for Fort Collins, CO
Updated 2026 · Local data pre-filled
The median home price in Fort Collins, CO is $500,000, with an effective property tax rate of 0.55% — below the national average of 1.10%. We've pre-filled the calculator with local figures so your estimate reflects what buyers actually pay in Fort Collins.
✓ Calculator below is pre-filled with Fort Collins local data
How Fort Collins Compares to the National Average
Understanding how Fort Collins stacks up helps you calibrate your financial planning.
| Metric | Fort Collins, CO | US Average | Difference |
|---|---|---|---|
| Median Home Price | $500,000 | $420,800 | +18.8% |
| Median Monthly Rent | $1,500 | $1,713 | -12.4% |
| Median Household Income | $78,600 | $74,580 | +5.4% |
| Property Tax Rate | 0.55% | 1.10% | -50.0% |
| Cost of Living Index | 111 | 100 | +11.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Fort Collins Financial Snapshot
- Population (Metro)
- 365,000
- Unemployment
- 2.8%
- Avg Commute
- 22 min
- Median Age
- 30.8
- Price-to-Rent Ratio
- 27.8x
- Annual Property Tax
- $2,750
Mortgage Payment Calculator in Other Colorado Cities
Frequently Asked Questions — Fort Collins
What is the median home price in Fort Collins, CO?
The median home price in Fort Collins is $500,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in Fort Collins?
Median monthly rent in Fort Collins is $1,500. That works out to $18,000/year, or 23% of the median household income — within the commonly recommended 30% of income guideline.
Is Fort Collins affordable?
Fort Collins's cost of living index is 111 vs. the national average of 100. With a median household income of $78,600/year and a median home price of $500,000, the price-to-income ratio is 6.4x. This makes homeownership a significant stretch for the typical Fort Collins household.
What is the property tax rate in Fort Collins?
The effective property tax rate in Fort Collins is 0.55% of assessed value. On the median home of $500,000, that's roughly $2,750/year ($229/month).