Timnath, Colorado.
Typical home $670,401 (-1.4% in a year), asking rent $2,932 (+4.8%). Fort Collins, CO metro.
to buy the typical home at today's mortgage rate — +$1,625 (+86%) since Jan 2020.
- 1 year
- Down $9,712 -1%
- $680,113$670,401 since Sep 2025
- 5 years
- Up $53,025 +9%
- $617,376$670,401 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.
- Timnath$3,519
- Colorado$2,777
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 42 years.
Typical home values in Timnath, CO fell 1.4% over the past year — slower than the nation's +1.2%.
Asking rents in Timnath, CO rose 4.8% over the past year — faster than the nation's +2.7%.
Owning the typical home in Timnath runs $1,583/mo more than renting one. The gap peaked at $1,608 in Sep 2025.
That is $4,514 a month against $2,932 rent: a $3,519 mortgage payment, plus $278 property tax and $718 insurance & upkeep.
Owning vs renting — Timnath
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$4,514
- Renting$2,932
- Mortgage only$3,519
Property tax · $278/mo 0.50% of value a year — the ACS 2020-2024 median bill over the median home value for Larimer County, CO
Insurance & upkeep · $718/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 Timnath, Larimer County, Colorado
Timnath is a town of 6,487 people in Larimer County. Half its households earn more than $178,257 a year and half less, against $93,765 across Larimer County; 4% of its people live below the poverty line. 83% of its homes are lived in by their owners and 17% are rented. Unemployment in Larimer County was 4.4% in August 2026, and the 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. Timnath is a small town in Larimer County where nearly everyone owns the home they live in, and where household incomes run well above the county's. Residents are younger than in many towns, and a four-year degree is common among adults. Poverty is rare, and a typical home costs a good deal, with rents to match.
Work. Many residents work in schools, hospitals and social care, followed by professional and business services, banks, insurance and property, and the building trades. Across Larimer County, the largest workplaces include Poudre School District R, Poudre Valley Hospital and Broadcom. Commutes are fairly short, and a sizeable group of residents work from home.
Things to do. The Cache La Poudre River Corridor National Heritage Area is a protected area in or beside town. A short drive away are Boyd Lake State Park, another protected area, and Spring Creek, a river. Horsetooth Reservoir is a longer drive, and winters here are cold and snowy, with warm summers.
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- 3,093households
- 76%of adults have a degree
- 4%below the poverty line
- 24 mintypical commute
- 28%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 42° and lows near 16°; warmest in July, with highs near 88° and lows near 58°. About 48 inches of snow and 15 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Fort Collins East weather station, 4 miles away (NOAA).
Largest workplaces in Larimer County
- Poudre School District R-1School district4,316FTE
- Poudre Valley HospitalGeneral hospital2,153FTE
- Thompson School District R-2JSchool district2,153FTE
- Medical Center of the RockiesGeneral hospital1,402FTE
- BroadcomSemiconductor devices manufacturing1,307
- Hach CompanyLaboratory analytical instruments manufacturing1,300
- Woodward Lincoln CampusSemidiesel engines manufacturing1,250
- WalmartGeneral warehousing and storage1,180
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 254 workplaces with 20 or more staff, 32,761 people in all across the county; Timnath has two of its own. 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
- Cold wavesRelatively high
- WildfireRelatively 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 Timnath’s census tracts, against the rest of the country; all of them together, relatively moderate. 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.
Timnath home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Timnath$670,401
- 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 Timnath listings — 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.
- Timnath31.79%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Timnath89
New listings per month
Sellers arriving at the market.
- Timnath19
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Timnath$692,158
- United States$370,717
Zip codes with a Timnath address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Timnath — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.