Fort Collins, CO—80521
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Fort Collins, CO
As of Oct '25, the median home price in Fort Collins, CO is $513,000, with a year-over-year change of -0.7%. This indicates that home prices in Fort Collins, CO are flat. According to Zillow, the 1-year price projection is -0.6%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $513,000 | -0.7% |
| Single Family | $535,000 | -0.7% |
| Condos | $297,000 | -3.9% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $305,000 | -3.5% |
2 Bed | $407,000 | -1.9% |
3 Bed | $514,000 | -0.6% |
4 Bed | $589,000 | -0.8% |
| 5 Bed | $678,000 | 0.1% |
% of Housing Stock
Rental Trends — Fort Collins, CO
As of July '25, Rentcast reports the average rent in Fort Collins, CO is $1,940, with a year-over-year rent change of -3.0%. Per bedroom, the median rent as of July '25 in Fort Collins, CO is studios: $1,200, 1-bedrooms: $1,350, 2-bedrooms: $1,740, 3-bedrooms: $2,310, 4-bedrooms: $2,970. The most common rental property sizes in Fort Collins, CO are 2-bedroom and 3-bedroom, accounting for 34.9% and 25.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $1,940 |
| Studio Rent | $1,150 | $1,200 |
| 1 Bed Rent | $1,300 | $1,350 |
| 2 Bed Rent | $1,700 | $1,740 |
| 3 Bed Rent | $2,300 | $2,310 |
| 4 Bed Rent | $2,800 | $2,970 |
% of Rental Stock
Property Listings — Fort Collins, CO
As of Oct '25, Realtor.com reports that the median days on market for a home in Fort Collins, CO is 42. This is a decrease of -7.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $508,000 | -12.0% |
Listing Count | 108 | 10.0% |
| Listings as % of Homes | 0.3% | 10.0% |
Days on Market | 42 | -7.0% |
Demographics — Fort Collins, CO
As of the latest ACS Survey released in 2023, Fort Collins, CO has a population of 38,200, which has increased by 3.1% over the past 5 years. Fort Collins, CO is a less popular place for families, as children make up 9.4% of the population. The area has a highly educated workforce, with 62.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 15.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 38,200 | 3.1% |
% Under 18 | 9.4% | -6.0% |
% Seniors | 7.5% | 21.0% |
% WFH | 15.5% | 203.9% |
% w/ College Degree | 62.7% | 17.2% |
As of the latest ACS Survey released in 2023, Fort Collins, CO is a predominantly white area, with 78.4% of the population identifying as white. The white population has shrunk by 1.8% in the last 5 years. The second most common race or ethnicity in Fort Collins, CO is hispanic, making up 10.9% of the population. Foreign-born residents account for 5.1% of the population in Fort Collins, CO, and this percentage has decreased by 26.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 78.4% | -1.8% |
% Black | 2.1% | -4.5% |
% Hispanic | 10.9% | -3.5% |
% Asian | 3.8% | 8.6% |
% Foreign Born | 5.1% | -26.1% |
Mortgage and Risk — Fort Collins, CO
According to HUD data as of 2023, there were 323 mortgage originations in Fort Collins, CO, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 18.0% above 90% LTV (elevated). This implies medium mortgage risk in Fort Collins, CO. Investor activity is low, as 5.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 323 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 5.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Fort Collins, CO
As of 2024, the percent of homes in Fort Collins, CO under the Section 8 program is 2.6%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Fort Collins, CO, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 379 |
Total Units Section 8 | 379 |
% Rentals under Section 8 | 2.6% |
% Occupied Section 8 | 85.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$10 | $1,300 | $1,290 |
| 2 Bedroom | -$180 | $1,700 | $1,520 |
| 3 Bedroom | -$170 | $2,300 | $2,130 |
| 4 Bedroom | -$500 | $2,800 | $2,300 |
Affordability — Fort Collins, CO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 9.8 |
| Median Home Price | $513,000 |
| Median Household Income | $52,700 |