Castle Rock, Colorado.
Typical home $657,743 (-1.1% in a year), asking rent $2,333 (+1.6%). Denver-Aurora-Lakewood, CO metro.
to buy the typical home at today's mortgage rate — +$1,666 (+93%) since Jan 2020.
- 1 year
- Down $7,404 -1%
- $665,147$657,743 since Sep 2025
- 5 years
- Up $40,335 +7%
- $617,408$657,743 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Castle Rock$3,452
- Colorado$2,777
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 55 years.
Typical home values in Castle Rock, CO fell 1.1% over the past year — slower than the nation's +1.2%.
Asking rents in Castle Rock, CO rose 1.6% over the past year — slower than the nation's +2.7%.
Owning the typical home in Castle Rock runs $2,127/mo more than renting one. The gap peaked at $2,462 in Oct 2023.
That is $4,460 a month against $2,333 rent: a $3,452 mortgage payment, plus $303 property tax and $704 insurance & upkeep.
Owning vs renting — Castle Rock
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,460
- Renting$2,333
- Mortgage only$3,452
Property tax · $303/mo 0.55% of value a year — the ACS 2020-2024 median bill over the median home value for Douglas County, CO
Insurance & upkeep · $704/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Castle Rock, Douglas County, Colorado
Castle Rock is a town of 73,158 people in Douglas County. Half its households earn more than $145,197 a year and half less, against $149,594 across Douglas County; 4% of its people live below the poverty line. 79% of its homes are lived in by their owners and 21% are rented. Unemployment in Castle Rock was 4.2% in August 2026, and Douglas County had 1.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Castle Rock is a town where most homes are lived in by their owners, and renting is the less common way to live. Incomes run a little below the county's, though still well above what many places see, and few residents live below the poverty line. Adults here are more likely than most to hold a four-year degree, and the population is on the younger side for a town where so many people own their homes. Winters are cold, with January the coldest month, and the town gets a good deal of snow, while July brings the warmest days.
Work. Many residents work in schools, hospitals and social care, with professional and business services, banks and insurance, and shops also employing a good share. Among the largest workplaces in town are the Douglas County School District, AdventHealth Castle Rock Hospital and Walmart. Commutes are fairly long, and a sizable group of residents work from home. Unemployment has crept up a little over the past year, while the county as a whole has added jobs.
Things to do. Castlewood Canyon State Park and Daniels Park are both a short drive away, offering protected land and open park space close to home. For a day out, Red Rocks Amphitheatre, a well-known theatre, and the Denver Zoo are a longer drive away. Pike National Forest is also a longer drive for those who want more room to explore.
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- 28,219households
- 56%of adults have a degree
- 4%below the poverty line
- 29 mintypical commute
- 29%work from home
What residents work in
Employed residents by industry, from the Census survey. Douglas County had 149,592 jobs in 2025, 1.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 46° and lows near 18°; warmest in July, with highs near 86° and lows near 56°. About 58 inches of snow and 18 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Castle Rock weather station, 4 miles away (NOAA).
Largest workplaces in Castle Rock
- Douglas County School District No. Re 1School district7,955FTE
- Great Southwestern ConstructionTransmission and distribution line construction1,342
- Advent Health Castle Rock HospGeneral hospital546FTE
- WalmartWarehouse clubs and supercenters370
- King SoopersSupermarkets and other grocery except convenience stores226
- Castle Rock194
- Brookside InnSkilled nursing facilities192
- TargetDiscount department stores187
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 26 workplaces with 20 or more staff, 4,278 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- HailRelatively high
- Winter weatherRelatively high
- Wildfirerelatively high in parts of Castle RockRelatively moderate
- Strong windrelatively high in parts of Castle RockRelatively moderate
- Tornadoesrelatively high in parts of Castle RockRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Castle Rock’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Douglas County and the Denver-Aurora-Lakewood, CO metro.
Castle Rock home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Castle Rock$657,743
- Colorado$529,013
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Castle Rock listings, and the typical home goes pending in 37 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Castle Rock37.03%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Castle Rock37
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Castle Rock661
New listings per month
Sellers arriving at the market.
- Castle Rock159
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Castle Rock$675,796
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Castle Rock98.75%
Zip codes with a Castle Rock address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Castle Rock — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Castle Rock
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 80104 | Castle Rock | 38,479 | $2,339 | $602,135 |
| 80109 | Castle Rock | 28,400 | $2,629 | $646,436 |