Compare Boulder, CO mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Boulder.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Boulder. Plus, shopping lenders is free and there is no obligation.
August 18, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Boulder. Understand how much you need to earn to afford a home in Boulder, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Boulder fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Boulder is right for you.
The median home value for Boulder, CO is $740,894
Based on current mortgage rates and a 10% down payment, you need to make $154,562 per year to buy the median priced home in Boulder
With this income, you could qualify for a $666,805 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Boulder is $3,579
The median household income for Boulder, CO is $91,484
Based on this income, you can afford a home valued at approximately $438,530
The home price you can afford to buy based on household income in Boulder is 59% of the median home value which means housing prices are very expensive. Boulder ranks 61 out of 64 counties in Colorado and 3,109 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Boulder, CO is very expensive
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Boulder below.
Conforming loan limits for Boulder, CO
FHA loan limits for Boulder, CO