What's a healthy ratio in Colorado?

Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.

Does this account for interest rates?

No, price-to-income is rate-agnostic so it stays comparable across cycles.

What if my income is higher?

Your personal ratio matters more than the market median. Use it as a relative comparison.

Buyer authority CO

Most affordable cities for home buyers in Colorado.

Affordability = how many years of household income buys the median home. This ranks Colorado cities by price-to-income ratio (lower = more affordable).

Last updated November 2026

Colorado ranking

50 cities ranked. Click any row for the matching local page.

#	City	Price-to-income ratio	Score
1	Lone Tree	5.5x income	42	View →
2	Evergreen	5.7x income	38	View →
3	Monument	5.7x income	38	View →
4	Aspen	5.9x income	36	View →
5	Edwards	6.0x income	34	View →
6	Erie	6.0x income	33	View →
7	Conifer	6.1x income	32	View →
8	Morrison	6.1x income	31	View →
9	Castle Rock	6.2x income	30	View →
10	Parker	6.5x income	25	View →
11	Gypsum	6.5x income	25	View →
12	Louisville	6.5x income	24	View →
13	Elizabeth	6.6x income	24	View →
14	Golden	6.7x income	22	View →
15	Windsor	6.8x income	21	View →
16	Peyton	6.8x income	20	View →
17	Berthoud	6.9x income	18	View →
18	Broomfield	7.0x income	17	View →
19	Wheat Ridge	7.1x income	16	View →
20	Sterling	7.1x income	16	View →
21	Evans	7.1x income	16	View →
22	Steamboat Springs	7.0x income	16	View →
23	Glenwood Springs	7.1x income	16	View →
24	Fort Morgan	7.1x income	16	View →
25	Alamosa	7.1x income	16	View →
26	Carbondale	7.1x income	16	View →
27	Fruita	7.1x income	16	View →
28	Cortez	7.1x income	16	View →
29	Delta	7.1x income	16	View →
30	Rifle	7.1x income	16	View →
31	Craig	7.1x income	16	View →
32	Johnstown	7.1x income	16	View →
33	Trinidad	7.1x income	16	View →
34	Woodland Park	7.1x income	16	View →
35	Pagosa Springs	7.1x income	16	View →
36	Fort Lupton	7.1x income	16	View →
37	Henderson	7.1x income	16	View →
38	Wellington	7.1x income	16	View →
39	Florence	7.1x income	16	View →
40	Gunnison	7.1x income	16	View →
41	Breckenridge	7.1x income	16	View →
42	Estes Park	7.1x income	16	View →
43	Salida	7.1x income	16	View →
44	Bailey	7.1x income	16	View →
45	Dillon	7.1x income	16	View →
46	Eaton	7.1x income	16	View →
47	Littleton	7.1x income	15	View →
48	La Junta	7.1x income	14	View →
49	Lamar	7.2x income	14	View →
50	Clifton	7.3x income	12	View →

Methodology

Ratio = estimated home value ÷ average household income (Census ACS). Demographia bands (under 3.0 affordable, over 5.0 severely unaffordable) are designed around medians, so treat these as directional. Cities whose true median home value likely exceeds the dataset's modeled value (e.g. SF Bay, Manhattan) are flagged in their state pages.

FAQ

What's a healthy ratio in Colorado?: Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.
Does this account for interest rates?: No, price-to-income is rate-agnostic so it stays comparable across cycles.
What if my income is higher?: Your personal ratio matters more than the market median. Use it as a relative comparison.