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The Colorado housing market is expected to remain active but more balanced in 2026 compared with the rapid price growth seen earlier in the decade. After years of strong demand driven by population growth and a tight supply of homes for sale, statewide home price appreciation has moderated as mortgage rates stabilized and inventory gradually increased.
Buyers are finding more options, and sellers are adjusting to longer market times and seasonal trends. Looking ahead into 2026, most forecasts project modest price growth rather than steep increases, with regional differences across Front Range metros reflecting local economic conditions, affordability pressures, and supply dynamics.
Average home values in Colorado decreased by 4.8% over the past year.
Colorado’s median home sale price currently sits at $599,900, according to RedFin.
The supply of available homes for sale is inching up across Colorado. There is currently only a 4.7-month supply of homes on the market to meet buyer demand, which is slightly higher than last year and means a return to a more balanced market.
The number of homes sold in Colorado decreased 9.9% year-over-year.
According to Freddie Mac, current mortgage rates in Colorado are currently 6.15% for a 30-year fixed-rate mortgage, and 5.44% for a 15-year fixed-rate mortgage.
The number of homes sold in Denver decreased by 16.7% year-over-year.
According to RedFin, home prices in Denver decreased to $575,000, down 2%.
Colorado Springs had a cool 2025 as home prices declined by 6.3% year-over-year. According to RedFin, home prices in Colorado Springs are $435,000.
Boulder saw a 4.2% increase in home prices this year, with the median sale price now sitting at $963,600, according to RedFin.
Home prices in Fort Collins have moved up slightly year-over-year. According to Zillow, home prices in Fort Collins currently sit at $555,743.
If you have questions about home loans in Colorado, we’re happy to help. Sammamish Mortgage is a mortgage firm local to Bellevue, Washington, serving the entire state, as well as Oregon, Idaho, California and Colorado since 1992. Our experts will walk you through our mortgage programs to see which one is best suited for you. Contact us today with any questions you have about home loans in Colorado.
Whether you’re buying a home or ready to refinance, our professionals can help.
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