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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Colorado residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Colorado, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Erie, Colorado
- Payment to income ratio: 35.5%
- Median sale price: $758,836
- Median household income: $163,644
- Income needed to buy: $193,778
- Median monthly mortgage payment: $4,844
- See homes for sale in Erie on

#2. Highlands Ranch, Colorado
- Payment to income ratio: 36.8%
- Median sale price: $748,790
- Median household income: $155,847
- Income needed to buy: $191,213
- Median monthly mortgage payment: $4,780
- See homes for sale in Highlands Ranch on

#3. Commerce City, Colorado
- Payment to income ratio: 37.4%
- Median sale price: $521,427
- Median household income: $106,756
- Income needed to buy: $133,153
- Median monthly mortgage payment: $3,329
- See homes for sale in Commerce City on

#4. Windsor, Colorado
- Payment to income ratio: 37.5%
- Median sale price: $596,052
- Median household income: $121,758
- Income needed to buy: $152,210
- Median monthly mortgage payment: $3,805
- See homes for sale in Windsor on

#5. Dakota Ridge, Colorado
- Payment to income ratio: 39.6%
- Median sale price: $622,410
- Median household income: $120,368
- Income needed to buy: $158,940
- Median monthly mortgage payment: $3,974
- See homes for sale in Dakota Ridge on

#6. Brighton, Colorado
- Payment to income ratio: 40.2%
- Median sale price: $526,014
- Median household income: $100,134
- Income needed to buy: $134,324
- Median monthly mortgage payment: $3,358
- See homes for sale in Brighton on

#7. Columbine, Colorado
- Payment to income ratio: 41.6%
- Median sale price: $703,176
- Median household income: $129,480
- Income needed to buy: $179,565
- Median monthly mortgage payment: $4,489
- See homes for sale in Columbine on

#8. Parker, Colorado
- Payment to income ratio: 41.9%
- Median sale price: $707,722
- Median household income: $129,342
- Income needed to buy: $180,726
- Median monthly mortgage payment: $4,518
- See homes for sale in Parker on

#9. Centennial, Colorado
- Payment to income ratio: 42.3%
- Median sale price: $707,903
- Median household income: $128,167
- Income needed to buy: $180,772
- Median monthly mortgage payment: $4,519
- See homes for sale in Centennial on

#10. Thornton, Colorado
- Payment to income ratio: 43.5%
- Median sale price: $573,491
- Median household income: $100,985
- Income needed to buy: $146,448
- Median monthly mortgage payment: $3,661
- See homes for sale in Thornton on

#11. Broomfield, Colorado
- Payment to income ratio: 45.4%
- Median sale price: $717,835
- Median household income: $121,025
- Income needed to buy: $183,308
- Median monthly mortgage payment: $4,583
- See homes for sale in Broomfield on

#12. Ken Caryl, Colorado
- Payment to income ratio: 45.6%
- Median sale price: $695,551
- Median household income: $116,838
- Income needed to buy: $177,618
- Median monthly mortgage payment: $4,440
- See homes for sale in Ken Caryl on

#13. Northglenn, Colorado
- Payment to income ratio: 46.0%
- Median sale price: $477,511
- Median household income: $79,530
- Income needed to buy: $121,939
- Median monthly mortgage payment: $3,048
- See homes for sale in Northglenn on

#14. Arvada, Colorado
- Payment to income ratio: 46.3%
- Median sale price: $684,652
- Median household income: $113,396
- Income needed to buy: $174,835
- Median monthly mortgage payment: $4,371
- See homes for sale in Arvada on

#15. Westminster, Colorado
- Payment to income ratio: 46.8%
- Median sale price: $587,830
- Median household income: $96,145
- Income needed to buy: $150,110
- Median monthly mortgage payment: $3,753
- See homes for sale in Westminster on

#16. Aurora, Colorado
- Payment to income ratio: 46.9%
- Median sale price: $516,535
- Median household income: $84,320
- Income needed to buy: $131,904
- Median monthly mortgage payment: $3,298
- See homes for sale in Aurora on

#17. Loveland, Colorado
- Payment to income ratio: 48.0%
- Median sale price: $517,885
- Median household income: $82,592
- Income needed to buy: $132,249
- Median monthly mortgage payment: $3,306
- See homes for sale in Loveland on

#18. Englewood, Colorado
- Payment to income ratio: 50.7%
- Median sale price: $542,393
- Median household income: $82,016
- Income needed to buy: $138,507
- Median monthly mortgage payment: $3,463
- See homes for sale in Englewood on

#19. Longmont, Colorado
- Payment to income ratio: 50.8%
- Median sale price: $594,675
- Median household income: $89,724
- Income needed to buy: $151,858
- Median monthly mortgage payment: $3,796
- See homes for sale in Longmont on

#20. Littleton, Colorado
- Payment to income ratio: 55.4%
- Median sale price: $698,480
- Median household income: $96,611
- Income needed to buy: $178,366
- Median monthly mortgage payment: $4,459
- See homes for sale in Littleton on