Looking for mortgage options in Greeley? See our Greeley, CO mortgage guide →
Greeley offers what Front Range buyers increasingly can't find: a market where FHA down payment is under $13,000, USDA financing is available in surrounding Weld communities, and UNC + Banner Health + Weld energy anchor stable employment.
Market Snapshot 2026
Greeley median SFR: ~$365,000 · Evans/Garden City: $300K–$380K · Windsor/Severance: $435K–$570K · DOM: 30–55 days · Months of supply: 3–4 (balanced) · Weld County conforming limit: $766,550.
Loan Programs
FHA: Weld limit $766,550. 3.5% down at $365K = $12,775 — one of the lowest entry thresholds for any Colorado urban market. USDA Rural Development: Greeley's most compelling first-time advantage — Eaton, Ault, Pierce, Kersey, Nunn, Platteville qualify. 0% down, below-market rate. See USDA Colorado. VA: 0% down, no PMI. Conventional: 720+ credit beats FHA on monthly cost; HomeReady/HomePossible at 3% down for ≤80% AMI. CHFA: Weld County limits accommodate most local buyers.
Neighborhood Guide
West Greeley: University District, $330K–$450K. Southwest Greeley: $360K–$490K. Evans: $300K–$380K. Windsor/Severance: Weld RE-4 schools, $440K–$570K. Eaton/Ault: $280K–$380K with strong USDA eligibility.
The Greeley Tradeoff
Greeley offers genuine affordability but with proximity to Colorado's most active oil & gas county, agricultural seasonality, and limited walkability outside downtown. For financial accessibility over lifestyle premium, Greeley makes excellent sense. For walkable urbanism, Fort Collins is worth the premium.
Contact Tayton Capital or apply now.
📧 tj@taytoncapitalllc.com
📞 970-708-9624
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Frequently asked questions
What is the FHA loan limit in Greeley (Weld County)?
$766,550 for 2026. Greeley's $365K median is well below this limit.
Does Greeley qualify for USDA loans?
Parts of Weld County outside Greeley city limits — Eaton, Ault, Pierce, Kersey, Nunn, Platteville — qualify. We verify by specific address.
Is Greeley more affordable than Fort Collins?
Yes — Greeley's median is roughly $190,000 below Fort Collins. The tradeoff is less downtown vibrancy and walkability.
How long is the commute from Greeley to Fort Collins?
Approximately 30–40 minutes via US-85 or US-34/WCR-17.
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