Denver, Colorado.
Typical home $520,947 (-1.9% in a year), asking rent $1,855 (+0.1%). Denver-Aurora-Lakewood, CO metro.
to buy the typical home at today's mortgage rate — +$1,142 (+72%) since Jan 2020.
- 1 year
- Down $10,003 -2%
- $530,950$520,947 since Sep 2025
- 5 years
- Down $4,862 -1%
- $525,809$520,947 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.
- Denver$2,734
- Colorado$2,777
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Denver, CO fell 1.9% over the past year — slower than the nation's +1.2%.
Asking rents in Denver, CO rose 0.1% over the past year — slower than the nation's +2.7%.
Owning the typical home in Denver runs $1,631/mo more than renting one. The gap peaked at $2,020 in Oct 2023.
That is $3,486 a month against $1,855 rent: a $2,734 mortgage payment, plus $194 property tax and $558 insurance & upkeep.
Owning vs renting — Denver
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$3,486
- Renting$1,855
- Mortgage only$2,734
Property tax · $194/mo 0.45% of value a year — the ACS 2020-2024 median bill over the median home value for Denver County, CO
Insurance & upkeep · $558/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 Denver, Denver County, Colorado
Denver is a city of 715,522 people in Denver County. Half its households earn more than $94,718 a year and half less, against $94,718 across Denver County; 11% of its people live below the poverty line. 49% of its homes are lived in by their owners and 51% are rented. Unemployment in Denver was 4.7% in August 2026, and Denver County had 0.7% fewer 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. Denver is a city of more than most Colorado towns can claim, with a population that skews young for the country and a high share of adults holding a four-year degree. Incomes sit well above what many American households earn, though homes are costly and rents are high, and about as many people rent as own. Winters are cold and snowy, summers turn properly hot, and the year is fairly dry for the amount of snow that falls.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, banks, insurance and property, and shops. Among the largest workplaces in the city are the University of Colorado Denver/Anschutz Medical Campus, Denver Health Medical Center and the University of Denver. Unemployment has edged up over the past year, and the county has lost a few jobs, while a good number of people work from home and the usual trip to work is a moderate one.
Things to do. A short drive away, the Denver Art Museum and the Denver Museum of Nature and Science are among the better-known museums. Denver Botanic Gardens and the Denver Zoo offer a quieter day outdoors, and Coors Field is the stadium for baseball.
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- 335,428households
- 56%of adults have a degree
- 11%below the poverty line
- 25 mintypical commute
- 27%work from home
What residents work in
Employed residents by industry, from the Census survey. Denver County had 560,990 jobs in 2025, 0.7% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 46° and lows near 18°; warmest in July, with highs near 90° and lows near 59°. About 49 inches of snow and 15 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Denver-stapleton weather station, under a mile away (NOAA).
Largest workplaces in Denver
- University of Colorado Denver/Anschutz Medical CampusUniversity or college15,106
- School District No. 1 in the county of Denver and State of CSchool district14,465FTE
- Denver Health Medical CenterGeneral hospital5,968FTE
- Liberty EnergyPreparation of oil and gas field drilling sites on a contract basis5,354
- University of DenverUniversity or college3,442
- Metropolitan State University of DenverUniversity or college2,348
- State Charter School InstituteSchool district2,346FTE
- CCS Facility Services - ColoradoJanitorial services2,201
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 694 workplaces with 20 or more staff, 93,205 people in all. Colleges come from IPEDS (NCES, 2023–24), school districts 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
- HailVery high
- Lightningrelatively high in parts of DenverRelatively moderate
- Tornadoesrelatively high in parts of DenverRelatively moderate
- Strong windRelatively moderate
- Winter weatherRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Denver’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 Denver County and the Denver-Aurora-Lakewood, CO metro.
Denver home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Denver$520,947
- 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 Denver listings, and the typical home goes pending in 32 days — the market is heating up.
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.
- Denver35.64%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Denver32
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Denver4,246
New listings per month
Sellers arriving at the market.
- Denver1,014
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Denver$576,855
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Denver98.53%
Zip codes with a Denver address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Denver — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Denver
| 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 |
|---|---|---|---|---|
| 80219 | Denver | 59,523 | $2,161 | $410,985 |
| 80239 | Denver | 44,956 | $1,732 | $417,095 |
| 80249 | Denver | 41,590 | $1,971 | $451,549 |
| 80221 | Denver | 39,718 | $1,865 | $439,399 |
| 80210 | Denver | 39,113 | $2,019 | $815,251 |
| 80211 | Denver | 38,177 | $2,186 | $688,365 |
| 80220 | Denver | 37,203 | $1,704 | $636,337 |
| 80231 | Denver | 35,883 | $1,488 | $395,367 |
| 80204 | Denver | 35,318 | $1,951 | $515,126 |
| 80205 | Denver | 34,571 | $2,010 | $554,302 |
| 80238 | Denver | 30,575 | $2,113 | $748,298 |
| 80247 | Denver | 29,760 | $1,824 | $250,441 |
| 80209 | Denver | 27,564 | $2,200 | $956,405 |
| 80206 | Denver | 24,383 | $1,858 | $845,477 |
| 80222 | Denver | 23,838 | $1,752 | $538,318 |
| 80237 | Denver | 23,384 | $1,817 | $484,458 |
| 80203 | Denver | 22,441 | $1,582 | $336,510 |
| 80207 | Denver | 21,542 | $2,389 | $572,664 |
| 80212 | Denver | 20,746 | $2,487 | $708,733 |
| 80224 | Denver | 19,352 | $1,638 | $542,874 |
| 80223 | Denver | 19,246 | $1,958 | $439,895 |
| 80218 | Denver | 19,149 | $1,489 | $478,927 |
| 80202 | Denver | 18,589 | $2,013 | $536,957 |
| 80216 | Denver | 17,330 | $1,910 | $344,399 |
| 80236 | Denver | 16,863 | $2,034 | $502,119 |
| 80246 | Denver | 13,097 | $1,360 | $558,239 |
| 80230 | Denver | 10,449 | $1,888 | $765,670 |