Howard, CO—81233
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Howard, CO
As of Oct '25, the median home price in Howard, CO is $475,000, with a year-over-year change of 2.2%. This indicates that home prices in Howard, CO are increasing. According to Zillow, the 1-year price projection is 0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $475,000 | 2.2% |
| Single Family | $475,000 | 1.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $421,000 | 1.0% |
3 Bed | $530,000 | 2.1% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Howard, CO
Howard, CO lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Howard, CO
As of Oct '25, Realtor.com reports that the median days on market for a home in Howard, CO is 94. This is a decrease of -34.0% 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 11.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $650,000 | -16.0% |
Listing Count | 19 | 31.0% |
| Listings as % of Homes | 1.0% | 31.0% |
Days on Market | 94 | -34.0% |
Demographics — Howard, CO
As of the latest ACS Survey released in 2023, Howard, CO has a population of 1,160, which has increased by 32.9% over the past 5 years. Howard, CO is a less popular place for families, as children make up 13.1% of the population. The area has a poorly educated workforce, with 21.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,160 | 32.9% |
% Under 18 | 13.1% | -13.2% |
% Seniors | 32.9% | 49.5% |
% WFH | 7.8% | ∞% |
% w/ College Degree | 21.0% | -48.8% |
As of the latest ACS Survey released in 2023, Howard, CO is a predominantly white area, with 83.7% of the population identifying as white. The white population has shrunk by 10.3% in the last 5 years. The second most common race or ethnicity in Howard, CO is hispanic, making up 5.1% of the population. Foreign-born residents account for 5.3% of the population in Howard, CO, and this percentage has increased by Inf% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 83.7% | -10.3% |
% Black | 3.3% | ∞% |
% Hispanic | 5.1% | -16.4% |
% Asian | 0.0% | N/A |
% Foreign Born | 5.3% | ∞% |
Mortgage and Risk — Howard, CO
According to HUD data as of 2023, there were 92 mortgage originations in Howard, CO, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 16.0% above 90% LTV (elevated). This implies medium mortgage risk in Howard, CO. Investor activity is low, as 7.0% of loans were by investors. 24.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 92 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 7.0% |
% Second Loans | 14.0% |
% Cash Out Refinance | 24.0% |
Loan Activity
Rentals and Section 8 — Howard, CO
Howard, CO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,140 |
| 2 Bedroom | N/A | N/A | $1,500 |
| 3 Bedroom | N/A | N/A | $1,980 |
| 4 Bedroom | N/A | N/A | $2,170 |
Affordability — Howard, CO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.7 |
| Median Home Price | $475,000 |
| Median Household Income | $57,700 |