Fort Collins

Compare Current Fort Collins, Colorado Mortgage Rates

Compare Fort Collins, 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 Fort Collins.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Fort Collins. Plus, shopping lenders is free and there is no obligation.

Fort Collins, CO Mortgage Rates as of April 12, 2024
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes or insurance premiums. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Fort Collins, CO Mortgage Rates

April 12, 2024

Current mortgage rates in Fort Collins, CO are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Fort Collins, CO Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Fort Collins, Colorado?

Below we provide helpful information on the real estate market, home prices and housing affordability in Fort Collins. Understand how much you need to earn to afford a home in Fort Collins, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Fort Collins 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 Fort Collins is right for you.

The median home value for Fort Collins, CO (Larimer County) is $554,027

Based on current mortgage rates and a 10% down payment, you need to make $115,579 per year to buy the median priced home in Fort Collins

With this income, you could qualify for a $498,624 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 Fort Collins is $2,677

The median household income for Fort Collins, CO (Larimer County) is $79,249

Based on this income, you can afford a home valued at approximately $379,881

The home price you can afford to buy based on household income in Fort Collins is 69% of the median home value which means housing prices are very expensive. Fort Collins (Larimer County) ranks 52 out of 64 counties in Colorado and 3,071 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Fort Collins, CO is very expensive


Loan Limits for Fort Collins, Colorado

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Fort Collins (Larimer County) below.

Conforming loan limits for Fort Collins, CO

1 unit: $726,200
2 units: $929,850
3 units: $1,123,900
4 units: $1,396,800

FHA loan limits for Fort Collins, CO

1 unit: $614,100
2 units: $786,150
3 units: $950,300
4 units: $1,181,000

VA loan limits for Fort Collins, CO

1 unit: $726,200

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