Lone Tree, Colorado.
Typical home $870,295 (-1.6% in a year), asking rent $1,941 (-6.0%). Denver-Aurora-Lakewood, CO metro.
to buy the typical home at today's mortgage rate — +$2,194 (+92%) since Jan 2020.
- 1 year
- Down $13,747 -2%
- $884,043$870,295 since Sep 2025
- 5 years
- Up $62,004 +8%
- $808,291$870,295 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.
- Lone Tree$4,568
- Colorado$2,777
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 47 years.
Typical home values in Lone Tree, CO fell 1.6% over the past year — slower than the nation's +1.2%.
Asking rents in Lone Tree, CO fell 6.0% over the past year — slower than the nation's +2.7%.
Owning the typical home in Lone Tree runs $3,960/mo more than renting one. The gap peaked at $4,158 in Jan 2025.
That is $5,901 a month against $1,941 rent: a $4,568 mortgage payment, plus $401 property tax and $932 insurance & upkeep.
Owning vs renting — Lone Tree
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$5,901
- Renting$1,941
- Mortgage only$4,568
Property tax · $401/mo 0.55% of value a year — the ACS 2020-2024 median bill over the median home value for Douglas County, CO
Insurance & upkeep · $932/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 Lone Tree, Douglas County, Colorado
Lone Tree is a city of 14,253 people in Douglas County. Half its households earn more than $123,741 a year and half less, against $149,594 across Douglas County; 5% of its people live below the poverty line. 54% of its homes are lived in by their owners and 46% are rented. Unemployment in Douglas County was 4.2% in August 2026, and the county had 1.4% more jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.
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. Lone Tree is a city in Douglas County, south of Denver, and a fairly young one, with a population that skews middle-aged rather than old. Household incomes are well above most of the country but below the county's, and fewer households fall below the poverty line than is typical. Owners and renters share the town's homes more evenly than across much of the county, and typical home values and rents both run high. Winters are cold, with December the coldest month, while July is warm and the year is fairly dry.
Work. Residents work mostly in professional and business services, in schools, hospitals and social care, in banks, insurance and property, and in manufacturing. Most adults hold a four-year degree, and a good many work from home, which keeps commutes shorter than in many suburbs. Within the city, some of the biggest workplaces are SKY Ridge Medical Center, Costco Wholesale and Verizon Communications. Unemployment across Douglas County has risen a little over the past year, while the number of jobs has grown slightly.
Things to do. Daniels Park, a park a short drive away, is the closest green space on the list. Farther afield, a longer drive takes you into Denver, where the Denver Art Museum and the Denver Zoo are among the best known places to spend a day. Red Rocks Amphitheatre, an outdoor theatre in the foothills, is also a longer drive away.
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- 6,507households
- 71%of adults have a degree
- 5%below the poverty line
- 26 mintypical commute
- 32%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 December, with highs near 44° and lows near 19°; warmest in July, with highs near 87° and lows near 59°. About 15 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Denver Centennial Airport weather station, 3 miles away (NOAA).
Largest workplaces in Lone Tree
- SKY Ridge Medical CenterGeneral hospital1,123FTE
- Costco WholesaleWholesale grocer345
- Verizon CommunicationsWired telecommunications carriers305
- TargetDiscount department stores303
- Sam's ClubWarehouse clubs and supercenters151
- SafewaySupermarkets and other grocery stores113
- Macy'sDepartment stores111
- Luna FreightParcel delivery110
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 24 workplaces with 20 or more staff, 3,640 people in all. Hospitals come 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
- Strong windRelatively moderate
- Tornadoesrelatively high in parts of Lone TreeRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lone Tree’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.
Lone Tree home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lone Tree$870,295
- 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 Lone Tree listings, and the typical home goes pending in 38 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.
- Lone Tree32.40%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Lone Tree38
- United States21
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lone Tree78
New listings per month
Sellers arriving at the market.
- Lone Tree26
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Lone Tree$901,717
- United States$371,553
Zip codes with a Lone Tree address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lone Tree — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.