Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$545,601−0.3% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 23% have cut their price
Income needed to buy, per year$118,275About 1.3× the local median income ($93,518): a stretch for a typical household
Days on market67 daysAbout the same pace as a year ago
Next 12 months+0.6%Zillow expects prices to rise slightly
The typical home in Fort Collins-Loveland, CO is worth $545,601, about the same as a year ago. That is slightly above what local incomes have historically supported: fair value is about $519,467, so the area is 5.0% overvalued. It is a buyer's market: homes take about 67 days to sell, listings are up 9% from a year ago, 23% of listings have had a price cut. Zillow expects prices to rise about 0.6% over the next year. A household needs about $118,275 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $93,518. Typical rent is $1,973 a month, or $2,462 for a house. In the latest IRS figures, 996 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$545,601
Change in 1 year
−0.3%
Overvalued %
+5.0%
Show 7 more
Fair home value
$519,467
Change in 5 years
+9.8%
Zillow forecast, next 12 months
+0.6%
Home value to income
5.8×
Monthly mortgage payment (20% down)
$2,957
Income needed to afford it
$118,275
Property tax rate
0.50%
Rent and investing
Typical rent
$1,973
Typical rent for houses
$2,462
Price-to-rent ratio
23.0×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,759
Gross rental yield
4.34%
Cap rate (estimate)
2.82%
Market activity
Listings vs a year ago
+9.0%
Days on market
67
Listings with a price cut
23.0%
Show 3 more
Homes for sale
1,897
Pending sales per 100 listings
24
Asking price per sq ft
$270
People and jobs
Median household income
$93,518
Population change (1 year)
+0.8%
Unemployment rate
4.8%
Show 4 more
Population
377,292
Income adjusted for cost of living
$92,500
Net moves in (IRS)
+996
Cost of living (US = 100)
101.1
Schools, risk and environment
School rating (1 to 10)
7.7
FEMA hazard risk score (0 to 100)
90.1
Unhealthy air days a year
11
Show 4 more
Flood risk score
89.4
Wildfire risk score
97.7
Walkability (1 to 20)
10.0
Road, rail and air noise
53 dB
Questions people ask
Is Fort Collins-Loveland, CO overvalued?
Home prices in Fort Collins-Loveland, CO are slightly above what local incomes have historically supported: fair value is about $519,467, so the area is 5.0% overvalued.
Is Fort Collins-Loveland, CO a buyer's or seller's market?
Fort Collins-Loveland, CO is a buyer's market: homes take about 67 days to sell, listings are up 9% from a year ago, 23% of listings have had a price cut.
Are home prices going down in Fort Collins-Loveland, CO?
Home values in Fort Collins-Loveland, CO are down 0.3% over the last year. Zillow's forecast for the next 12 months is +0.6%.
How much do you need to earn to buy a home in Fort Collins-Loveland, CO?
A household needs about $118,275 a year to afford the typical home in Fort Collins-Loveland, CO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $93,518.