Real Estate Agent Salary in Westminster, CO: Median $38,522 in 2026
Westminster (CO) · COL index 110 · Unemployment 3.4% · Metro pop 115,000 · Rank #81 of 283 for Real Estate Agent salary
A Real Estate Agent in Westminster earns an estimated median of $38,522 per year. That figure starts from the Colorado state-level BLS Occupational Employment and Wage Statistics median[1]($35,670) and scales it by Westminster's composite cost-of-living index of 110 (US = 100). The 10th percentile comes in around $31,081; the 90th percentile reaches $61,860. After federal, Colorado state, and FICA taxes, a single-filer Real Estate Agent takes home approximately $32,046/year — about $2,671/month or $1,233 every other week.
Compared to the national Real Estate Agent median of $54,300, Westminster pays -29.1%. Relative to the Westminster median household income of $78,800, a Real Estate Agentsalary runs -51.1%. Local unemployment is 3.4%[3], with an estimated 24 annual Real Estate Agent openings inferred from metro population share and national employment (467,200).
Real Estate Agent Snapshot — Westminster (2026)
Every row cites a primary public dataset. Rent + home values use Zillow where the metro is in the ZHVI/ZORI coverage set; otherwise ACS + census tract fallbacks.
| Metric | Westminster | National | Source |
|---|---|---|---|
| Real Estate Agent median salary | $38,522 | $54,300 | [1] |
| 10th percentile | $31,081 | $32,080 | [1] |
| 90th percentile | $61,860 | $159,220 | [1] |
| Annual take-home (single filer) | $32,046 | — | [8][10] |
| Median home value (ZHVI) | $480,000 | — | [5] |
| Median rent (ZORI) | $1,750/mo | — | [5] |
| HUD Fair Market Rent (2BR) | $1,600/mo | — | [6] |
| Median household income (ACS) | $78,800 | — | [7] |
| Cost-of-living index | 110.0 | 100.0 | [4] |
| Unemployment rate | 3.4% | — | [3] |
How Real Estate Agent Salaries Work in Westminster
City-level wages aren't published directly by BLS for most SOC codes. We build them by anchoring to the Colorado state-level OEWS median ($35,670) and scaling by Westminster's composite cost-of-living index (110)[1][4]. That index combines Census ACS rent, Zillow ZHVI, BLS CPI, and AdvisorSmith / ApartmentAdvisor inputs to produce one number per metro. When BLS publishes a separate metro-level wage (MSA-level OEWS), that takes priority — a handful of large metros including New York, LA, Chicago, and DC have this coverage.
On top of the gross wage, the standard US payroll stack applies: federal income tax using 2025 IRS brackets and the $15,000 single standard deduction[8], FICA (Social Security 6.2% up to $176,100 wage base + Medicare 1.45%)[9], and Colorado state income tax at a 2.7% effective rate ($1,035/yr on the $38,522 median)[10].
Westminster also sits inside a larger metro labor market where commute patterns, remote-work policies, and adjacent-metro wages compete. A tight labor market (unemployment below 4%) gives candidates pricing power in negotiations. Median household income in the metro is $78,800, which frames what "a good Real Estate Agent salary" means locally: a $$38,522 wage pays about 49% of the median household income on a single earner.
The deterministic identity: take_home = gross − federal − state − FICA − pre_tax. All math runs client-side; nothing is sent to our servers.
Cost of Living Breakdown — Westminster
Estimated annual expense shares on a $32,046 take-home, using BLS Consumer Expenditure Survey baseline shares scaled to Westminster's COL index of 110. Housing uses the actual median rent.
BLS Consumer Expenditure Survey shares[1], scaled by Westminster's COL index of 110[4]. Housing uses actual median rent of $1,750/month.
Salary vs Housing Affordability in Westminster
Renting
Buying
At $2,671/mo take-home, the 30% rent rule caps housing at $801/mo. Westminster's typical 1–2BR rent runs $1,750/mo[5] (HUD 2BR FMR: $1,600/mo), making rent severely cost-burdened on a median Real Estate Agent salary. For homebuyers, the 12.5× price-to-income ratio is stretched — expect DTI friction on FHA / conventional underwriting without a co-borrower.
How Westminster Stacks Up for Real Estate Agents
Against 283 major US cities: Westminster ranks #81 for nominal Real Estate Agent salary, #252 for rent affordability, and #204 for overall purchasing power. High cost of living absorbs much of Westminster's nominal wage premium. Real Estate Agents here often trade pay for lifestyle, proximity to employers, or family roots — consider nearby metros on a salary-to-COL basis.
Nearby Cities — Real Estate Agent Salary Comparison
Westminster's closest metros, scaled by each city's cost-of-living index. Useful for relocation decisions where commute or remote-work policies allow a neighboring metro trade-off.
| City | Est. salary | COL | Rent | vs CO |
|---|---|---|---|---|
| Westminster, CO ★ | $38,522 | 110 | $1,750 | — |
| Denver, CO | $65,703 | 121 | $1,395 | +70.6% |
| Colorado Springs, CO | $55,929 | 103 | $995 | +45.2% |
| Fort Collins, CO | $60,273 | 111 | $1,500 | +56.5% |
| Boulder, CO | $71,676 | 132 | $2,100 | +86.1% |
| Aurora, CO | $58,101 | 107 | $1,650 | +50.8% |
Real Estate Agent Job Market in Westminster
Westminster has an estimated 24 annual Real Estate Agentopenings, extrapolated from the metro's share of 467,200 national Real Estate Agents[1]. The 3.4% unemployment rate[3] signals a competitive labor market where skilled professionals can push for top-of-band offers.
About the profession: Real estate agents help clients buy, sell, and rent properties. Most are self-employed and earn commission-based income, making tax planning and deductions critical. Typical entry requirement: high school diploma plus license. Projected growth through 2034: 3%[2].
Career Progression & Related Professions in Westminster
Early-career Real Estate Agents in Westminster start around $31,081, reach the city median ($38,522) after 4–8 years, and hit 90th-percentile territory ($61,860) at senior / specialized levels.
Related service professions in Westminster
Calculators for Real Estate Agents in Westminster
Other professions in Westminster
Frequently Asked Questions — Real Estate Agent in Westminster
How much does a Real Estate Agent make in Westminster, CO?
The estimated median salary for a Real Estate Agent in Westminster is $38,522/year, scaled from the BLS OEWS Colorado state median ($35,670) by Westminster's composite cost-of-living index of 110 (US = 100). After federal, Colorado state, and FICA taxes, take-home is approximately $32,046/year or $2,671/month.
Can a Real Estate Agent afford to live in Westminster?
On $2,671/month take-home, the 30% rent rule affords $801/month. Westminster's Zillow ZORI median rent is $1,750/mo, HUD's 2BR Fair Market Rent is $1,600/mo. The rent-to-income ratio works out to 54.5%, making housing severely cost-burdened for a Real Estate Agent at the local median. Home-buyers face 12.5× price-to-income, needing roughly 12.5 years to save a 20% down payment at a 20% savings rate.
How much tax does a Real Estate Agent pay in Westminster?
On $38,522 gross, a Real Estate Agent in Westminster pays approximately $2,494 in federal income tax (6.5% effective), $1,035 in Colorado state income tax (2.7% effective), and $2,947 in FICA (Social Security + Medicare). Total effective rate: 16.8%. Some Colorado cities levy local income taxes in addition; check your municipal DoR before filing.
How does Westminster rank for Real Estate Agent salaries vs other cities?
Westminster ranks #81 out of 283 tracked metros for nominal Real Estate Agent salary, #252 for rent affordability (rent-to-income), and #204 for purchasing power (salary ÷ COL). The high-purchasing-power cities tend to be mid-size metros with strong local employers and moderate housing costs; the low-ranked cities trade high nominal pay for steep rents.
What is the cost-of-living breakdown for a Real Estate Agent in Westminster?
On $32,046 take-home, a reasonable baseline budget for Westminster looks like: housing $21,000/yr (65.5%); food $4,076/yr; transportation $3,333/yr; healthcare $2,311/yr; utilities $1,682/yr; savings + discretionary $0/yr. Numbers use BLS Consumer Expenditure Survey shares scaled to Westminster's COL index of 110 and the city's actual median rent.
What's the Real Estate Agent job market like in Westminster?
Westminster's unemployment rate is 3.4% across the metro of 115,000. Estimated annual Real Estate Agent openings: ~24 (extrapolated from 467,200 nationally employed and the metro's population share). The tight labor market favors candidates in salary negotiations.
Do Westminster employers pay above or below the Colorado median for Real Estate Agents?
Not consistently — Westminster's estimated Real Estate Agent median of $38,522 is 29.1% below the national median. The trade-off is usually lower rents and (in some cases) lower state taxes, which can leave real purchasing power competitive.
Methodology — How we compute this page
Wage estimate. The Westminster median is derived from the Colorado state-level BLS OEWS median ($35,670), scaled by Westminster's composite cost-of-living index of 110. When BLS publishes a direct MSA-level wage for the occupation, that takes priority over the scaled state median. Percentile bands inherit the same scale factor.
Housing + rent. Median home value uses Zillow ZHVI; median rent prefers Zillow ZORI and falls back to Census ACS median gross rent. HUD Fair Market Rents (50th-percentile 2BR) are shown where HUD publishes the metro. Price-to-income and rent-to-income ratios use the estimated Real Estate Agentmedian (not the city's overall median household income) — to reflect the specific role-vs-city affordability picture.
Tax math. Federal tax uses 2025 IRS brackets and the $15,000 single standard deduction. FICA is Social Security 6.2% up to the $176,100 wage base + Medicare 1.45% (+ 0.9% Additional Medicare above $200,000). State tax uses Colorado's 2026 brackets from the state DoR (mirrored via Tax Foundation where the DoR's publication is paywalled or split). Local income taxes (e.g. NYC, Portland-OR supplemental, OH municipal) are NOT included — check your municipal authority for specifics.
Cost of living. The 110index is the composite used by CalcFi's /data/cities.ts, which merges Census ACS, BLS CPI shelter, Zillow ZORI, and commercial COL estimators. The COL-adjusted salary on this page assumes the statewide RPP = 101.9(BEA) approximates the state's purchasing power; cities are then scaled relative to that.
Refresh cadence. BLS OEWS releases annually (typically March); BEA RPP releases annually in December; IRS brackets adjust in October; Zillow ZHVI/ZORI updates monthly; HUD FMR publishes annually in August for the upcoming fiscal year. The dateModified shown above auto-bumps to the most recent retrievedAt on any sourced value the page consumes.
Known limits. Metro-level OEWS coverage is partial — only ~50 large MSAs have separately published occupation wages; the rest inherit state-level estimates scaled by COL. Rent and home data may trail the real-time market by 1–3 months (Zillow) or 8–12 months (ACS). Rankings are capped to the city set in our dataset (283 metros), not every incorporated US city.
Sources
Every number on this page cites a primary public dataset. Last reviewed (auto-bumped on the next ISR refresh after an ETL run).
- BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.
- BLS Employment Projections — 2024–34 occupational growth rates — www.bls.gov/emp. Retrieved 2026-04-19.
- BLS Local Area Unemployment Statistics — metro-level unemployment rate — www.bls.gov/lau. Retrieved 2026-04-19.
- Bureau of Economic Analysis — Regional Price Parities (state + metro) — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
- Zillow Research — ZHVI (home value index) + ZORI (observed rent index) — www.zillow.com/research/data. Retrieved 2026-04-19.
- HUD Fair Market Rents — 50th-percentile 2-bedroom FY — www.huduser.gov/portal/datasets/fmr.html. Retrieved 2026-04-19.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates, metro level — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
- Internal Revenue Service — Federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
- Social Security Administration — OASDI / Medicare contribution and wage-base rules — www.ssa.gov. Retrieved 2026-04-19.
- Colorado Department of Revenue — 2026 individual income tax brackets (accessed via Tax Foundation mirror) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
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