Fort Collins, Colorado.
Typical home $554,735 (+0.0% in a year), asking rent $1,959 (+1.7%). Fort Collins, CO metro.
to buy the typical home at today's mortgage rate — +$1,371 (+89%) since Jan 2020.
- 1 year
- Up $71 +0%
- $554,665$554,735 since Sep 2025
- 5 years
- Up $56,050 +11%
- $498,686$554,735 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.
- Fort Collins$2,912
- Colorado$2,777
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 33 years.
Typical home values in Fort Collins, CO rose 0.0% over the past year — slower than the nation's +1.2%.
Asking rents in Fort Collins, CO rose 1.7% over the past year — slower than the nation's +2.7%.
Owning the typical home in Fort Collins runs $1,777/mo more than renting one. The gap peaked at $2,032 in Oct 2023.
That is $3,736 a month against $1,959 rent: a $2,912 mortgage payment, plus $230 property tax and $594 insurance & upkeep.
Owning vs renting — Fort Collins
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$3,736
- Renting$1,959
- Mortgage only$2,912
Property tax · $230/mo 0.50% of value a year — the ACS 2020-2024 median bill over the median home value for Larimer County, CO
Insurance & upkeep · $594/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 Fort Collins, Larimer County, Colorado
Fort Collins is a city of 169,810 people in Larimer County. Half its households earn more than $85,070 a year and half less, against $93,765 across Larimer County; 16% of its people live below the poverty line. 52% of its homes are lived in by their owners and 48% are rented. Unemployment in Fort Collins was 4.2% in August 2026, and Larimer County had 2.3% 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. Fort Collins is a city of a good size for northern Colorado, and it is a young one, with a median age well below what most older homeowners might expect. More households rent than own their homes, and household incomes sit below the county's as a whole. A large majority of adults hold a four-year degree. Winters are cold, with December the coldest month, and the city sees a good deal of snow, while summers are warm but not extreme, and the year brings little rain.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, restaurants, hotels and entertainment, and shops. Among the largest workplaces in Fort Collins are Poudre School District R, Poudre Valley Hospital and Broadcom. The typical commute is short, and a good number of people work from home. Unemployment has edged up over the past year, and across Larimer County there are somewhat fewer jobs than there were a year earlier.
Things to do. Horsetooth Reservoir is a short drive away, and so is Lory State Park, a protected area for walking and being outdoors. Closer to home, in or beside town, The Gardens on Spring Creek is a botanical garden, and the Fort Collins Museum and Discovery Science Center is a museum for an indoor afternoon. Roosevelt National Forest is a longer drive away for those who want to go farther.
Report a mistake
- 71,768households
- 61%of adults have a degree
- 16%below the poverty line
- 20 mintypical commute
- 22%work from home
What residents work in
Employed residents by industry, from the Census survey. Larimer County had 171,281 jobs in 2025, 2.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 44° and lows near 18°; warmest in July, with highs near 87° and lows near 59°. About 51 inches of snow and 16 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Fort Collins weather station, 2 miles away (NOAA).
Largest workplaces in Fort Collins
- Poudre School District R-1School district4,316FTE
- Poudre Valley HospitalGeneral hospital2,153FTE
- BroadcomSemiconductor devices manufacturing1,307
- Woodward Lincoln CampusSemidiesel engines manufacturing1,250
- New Belgium Brewing Company: Fort CollinsBreweries701
- TolmarPharmaceutical preparations manufacturing640
- HP (IncWorkstations, computer, manufacturing503
- Otter Products - Head QuartersUtility containers, plastics, manufacturing415
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 106 workplaces with 20 or more staff, 15,024 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
- LightningRelatively high
- HailRelatively high
- Winter weatherRelatively high
- Cold wavesRelatively high
- AvalanchesRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Fort Collins’ 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 Larimer County and the Fort Collins, CO metro.
Fort Collins home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Fort Collins$554,735
- 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 Fort Collins listings, and the typical home goes pending in 23 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.
- Fort Collins35.01%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Fort Collins23
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Fort Collins835
New listings per month
Sellers arriving at the market.
- Fort Collins234
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Fort Collins$558,907
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Fort Collins99.10%
Zip codes with a Fort Collins address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Fort Collins — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Fort Collins
| 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 |
|---|---|---|---|---|
| 80525 | Fort Collins | 54,211 | $1,853 | $565,129 |
| 80526 | Fort Collins | 44,326 | $2,050 | $530,407 |
| 80524 | Fort Collins | 40,030 | $2,055 | $581,260 |
| 80521 | Fort Collins | 38,776 | $1,863 | $516,439 |
| 80528 | Fort Collins | 24,960 | $2,146 | $639,971 |