How much house can you afford — by city.
Use the calculator, then pick your market to see median price, down payment scenarios, and the income each one requires.
How much house can you afford?
Conventional loans typically allow up to 45–50% DTI; FHA up to 50%; jumbo around 43%. Adjust the cap to match your loan type.
Colorado mortgage affordability calculators by city
- Alamosa — $345,000
- Almont — $485,000
- Arvada — $565,000
- Aspen — $3,200,000
- Aurora — $445,000
- Avon — $985,000
- Bailey — $498,000
- Basalt — $955,000
- Bayfield — $485,000
- Beaver Creek — $3,500,000
- Berthoud — $495,000
- Black Hawk — $488,000
- Boulder — $895,000
- Breckenridge — $1,300,000
- Brighton — $462,000
- Broomfield — $595,000
- Buena Vista — $555,000
- Canon City — $325,000
- Carbondale — $1,050,000
- Castle Rock — $665,000
- Cedaredge — $355,000
- Centennial — $615,000
- Center — $245,000
- Collbran — $285,000
- Colorado Springs — $465,000
- Commerce City — $415,000
- Conifer — $608,000
- Copper Mountain — $855,000
- Cortez — $345,000
- Craig — $265,000
- Crawford — $285,000
- Crested Butte — $1,450,000
- Cripple Creek — $285,000
- Del Norte — $265,000
- Delta — $365,000
- Denver — $575,000
- Dillon — $785,000
- Dolores — $385,000
- Durango — $725,000
- Eagle — $685,000
- Eaton — $415,000
- Edwards — $875,000
- Elizabeth — $620,000
- Englewood — $495,000
- Erie — $655,000
- Estes Park — $695,000
- Evans — $345,000
- Evergreen — $762,000
- Fairplay — $442,000
- Firestone — $488,000
- Florence — $295,000
- Fort Collins — $555,000
- Fort Morgan — $265,000
- Fountain — $368,000
- Fraser — $625,000
- Frederick — $492,000
- Frisco — $895,000
- Fruita — $465,000
- Glenwood Springs — $745,000
- Golden — $775,000
- Gould — $285,000
- Granby — $585,000
- Grand Junction — $425,000
- Grand Lake — $695,000
- Greeley — $415,000
- Gunnison — $565,000
- Gypsum — $545,000
- Hayden — $385,000
- Highlands Ranch — $685,000
- Hot Sulphur Springs — $345,000
- Hotchkiss — $385,000
- Idaho Springs — $445,000
- Ignacio — $325,000
- Johnstown — $462,000
- Keystone — $895,000
- La Junta — $215,000
- Lafayette — $582,000
- Lake City — $328,000
- Lake George — $405,000
- Lakewood — $535,000
- Lamar — $225,000
- Leadville — $465,000
- Littleton — $555,000
- Lone Tree — $715,000
- Longmont — $555,000
- Louisville — $625,000
- Loveland — $485,000
- Mancos — $495,000
- Mead — $475,000
- Meeker — $345,000
- Minturn — $622,000
- Monte Vista — $295,000
- Montrose — $465,000
- Monument — $498,000
- Morrison — $585,000
- Mountain Village — $1,800,000
- Naturita — $225,000
- New Castle — $465,000
- Northglenn — $445,000
- Norwood — $282,000
- Nucla — $245,000
- Oak Creek — $445,000
- Olathe — $345,000
- Ouray — $695,000
- Pagosa Springs — $575,000
- Palisade — $485,000
- Paonia — $395,000
- Parachute — $345,000
- Parker — $645,000
- Placerville — $382,000
- Pleasant View — $265,000
- Poncha Springs — $445,000
- Pueblo — $285,000
- Pueblo West — $288,000
- Rangely — $295,000
- Ridgway — $785,000
- Rifle — $415,000
- Saguache — $225,000
- Salida — $595,000
- Silt — $385,000
- Silverthorne — $775,000
- Silverton — $425,000
- Snowmass Village — $2,100,000
- Steamboat Lake — $425,000
- Steamboat Springs — $1,150,000
- Steamboat Springs (rural) — $585,000
- Sterling — $178,000
- Superior — $672,000
- Tabernash — $545,000
- Telluride — $2,400,000
- Telluride (rural) — $685,000
- Thornton — $485,000
- Timnath — $512,000
- Toponas — $265,000
- Towaoc — $285,000
- Trinidad — $265,000
- Vail — $2,100,000
- Victor — $225,000
- Walden — $295,000
- Walsenburg — $245,000
- Westminster — $535,000
- Wheat Ridge — $525,000
- Windsor — $485,000
- Winter Park — $785,000
- Woodland Park — $495,000
- Yampa — $285,000
Florida mortgage affordability calculators by city
- 30A / Santa Rosa Beach — $1,050,000
- Big Pine Key — $625,000
- Boca Raton — $685,000
- Bonita Springs — $585,000
- Bradenton — $445,000
- Brandon — $385,000
- Callahan — $295,000
- Cape Coral — $385,000
- Celebration — $465,000
- Clearwater — $445,000
- Coral Gables — $985,000
- Crestview — $365,000
- DeFuniak Springs — $285,000
- Destin — $685,000
- Dunedin — $545,000
- Englewood — $445,000
- Estero — $545,000
- Fernandina Beach — $685,000
- Fort Lauderdale — $565,000
- Fort Myers — $365,000
- Fort Myers Beach — $685,000
- Fort Walton Beach — $385,000
- Golden Gate — $445,000
- Gulf Breeze — $485,000
- Hollywood — $495,000
- Homestead — $385,000
- Immokalee — $285,000
- Islamorada — $985,000
- Jacksonville — $315,000
- Key West — $895,000
- Kissimmee — $365,000
- Lake Nona — $585,000
- Lakewood Ranch — $665,000
- Largo — $385,000
- Lehigh Acres — $345,000
- Lynn Haven — $345,000
- Marathon — $745,000
- Marco Island — $895,000
- Miami — $625,000
- Miami Beach — $895,000
- Milton — $325,000
- Miramar Beach — $785,000
- Naples — $795,000
- Niceville — $485,000
- North Port — $385,000
- Orlando — $385,000
- Palm Beach — $4,500,000
- Panama City — $295,000
- Panama City Beach — $485,000
- Pensacola — $295,000
- Pompano Beach — $465,000
- Sanibel — $985,000
- Sarasota — $525,000
- St. Petersburg — $465,000
- Tampa — $415,000
- Tarpon Springs — $445,000
- Venice — $485,000
- Wesley Chapel — $465,000
- West Palm Beach — $585,000
- Winter Park — $685,000
- Yulee — $385,000
- Zephyrhills — $345,000
Why affordability is a local question
A $150,000 household income buys a very different home in Pueblo than it does in Boulder or Naples. Price is only part of it — property tax rates, HOA dues, and, in Florida, flood and wind insurance all move the payment. Each city page below runs the same math against that market's median price.
How much house can you afford in Colorado?
Across the 146 Colorado markets we cover, the typical median home price is about $485,000. At a 6.75% 30-year fixed rate with 10% down ($48,500), taxes and insurance estimated at 1.50% of value a year and a 43% debt-to-income ratio, a household needs roughly $95,927 a year to buy that home — about $101,633 with 3.5% down on FHA, before mortgage insurance.
Most affordable Colorado markets: Sterling ($178,000), La Junta ($215,000), Lamar ($225,000), Naturita ($225,000), Saguache ($225,000).
Most expensive Colorado markets: Beaver Creek ($3,500,000), Aspen ($3,200,000), Telluride ($2,400,000), Vail ($2,100,000), Snowmass Village ($2,100,000).
How much house can you afford in Florida?
Across the 62 Florida markets we cover, the typical median home price is about $475,000. At a 6.75% 30-year fixed rate with 10% down ($47,500), taxes and insurance estimated at 1.50% of value a year and a 43% debt-to-income ratio, a household needs roughly $93,949 a year to buy that home — about $99,538 with 3.5% down on FHA, before mortgage insurance.
Most affordable Florida markets: DeFuniak Springs ($285,000), Immokalee ($285,000), Callahan ($295,000), Panama City ($295,000), Pensacola ($295,000).
Most expensive Florida markets: Palm Beach ($4,500,000), 30A / Santa Rosa Beach ($1,050,000), Sanibel ($985,000), Islamorada ($985,000), Coral Gables ($985,000).
Estimates only — your real number depends on your credit, debts, the loan program and the actual taxes, insurance and HOA dues on the home. A pre-approval gives you the real figure.
Prefer the generic version? Use the home affordability calculator.
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Real numbers from a licensed Colorado & Florida mortgage broker.