Silverthorne, Colorado.
Typical home $827,527 (-2.3% in a year), asking rent $3,423 (+1.5%). Breckenridge, CO metro.
to buy the typical home at today's mortgage rate — +$2,055 (+90%) since Jan 2020.
- 1 year
- Down $19,319 -2%
- $846,846$827,527 since Sep 2025
- 5 years
- Down $17,295 -2%
- $844,822$827,527 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.
- Silverthorne$4,343
- Colorado$2,777
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Silverthorne, CO fell 2.3% over the past year — slower than the nation's +1.2%.
Asking rents in Silverthorne, CO rose 1.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in Silverthorne runs $2,026/mo more than renting one. The gap peaked at $2,580 in Feb 2025.
That is $5,449 a month against $3,423 rent: a $4,343 mortgage payment, plus $220 property tax and $886 insurance & upkeep.
Owning vs renting — Silverthorne
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$5,449
- Renting$3,423
- Mortgage only$4,343
Property tax · $220/mo 0.32% of value a year — the ACS 2020-2024 median bill over the median home value for Summit County, CO
Insurance & upkeep · $886/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 Silverthorne, Summit County, Colorado
Silverthorne is a town of 4,402 people in Summit County. Unemployment in Summit County was 4.0% in August 2026, and the county had 0.3% fewer jobs in 2025 than the year before. The most people in Summit County work in restaurants and hotels, 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 It can be wrong or out of date.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. Silverthorne is a small mountain town in Summit County, and it has the long, cold, snowy winters that come with that. January is the coldest month, with highs just below freezing and lows near zero, and snowfall is heavy across the year. Summers are mild and pleasant by comparison, with July the warmest month. Homes and rents are expensive here, well above what most of the country pays, and household incomes in the county are high. Even so, a noticeable share of residents live below the poverty line.
Work. Many residents work in restaurants, hotels and entertainment, which fits a town that draws visitors to the mountains. Schools, hospitals and social care, professional and business services, and shops also employ a good number of people. Among the largest workplaces in Silverthorne are Lowe's of Silverthorne, a home center, and the Forest Service. Unemployment in the county is higher than it was a year ago, and the number of jobs has slipped slightly.
Things to do. Dillon Reservoir is a reservoir a short drive away, and Snake River is a river that is also close by. Keystone Resort, a ski area, is a short drive away too. For a longer day out, Copper Mountain and Arapahoe Basin are both ski areas a longer drive away.
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- 2,063households
- 12%below the poverty line
What people in Summit County work in
Employed residents by industry, from the Census survey. Summit County had 22,480 jobs in 2025, 0.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 31° and lows near 2°; warmest in July, with highs near 75° and lows near 38°. About 116 inches of snow and 15 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Dillon East weather station, 4 miles away (NOAA).
Largest workplaces in Silverthorne
- Lowe's Companies, INCHomecenter132
- Forest ServiceFederal government · Department of Agriculture39
- Turner MorrisRoofing contractors34
- Columbine Hills ConstructionCivil construction24
- Central RegionSolid waste collection22
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 212 people in all. Federal offices come from OPM's federal workforce data (2026). 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
- AvalanchesVery high
- Inland floodingVery high
- HailRelatively high
- Winter weatherRelatively high
- LandslidesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Silverthorne’s census tracts, against the rest of the country; all of them together, very high. 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 Summit County and the Breckenridge, CO metro.
Silverthorne home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Silverthorne$827,527
- 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 Silverthorne listings, and the typical home goes pending in 56 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.
- Silverthorne29.09%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Silverthorne56
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Silverthorne242
New listings per month
Sellers arriving at the market.
- Silverthorne43
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Silverthorne$888,708
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Silverthorne97.53%
Zip codes with a Silverthorne address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Silverthorne — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.