Colorado Housing Affordability Index

Daily affordability score for Colorado compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Colorado

98.4

Near National Average

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #39 of 51 states

vs. National Average -2.2 points

30-yr Rate Used 6.521%

Median Home Value $539,400

Median Household Income $95,470

View all state rankings →

Colorado Affordability Ranking

#39 of 51 states — April 10, 2026 Less affordable than average

Most Affordable Least Affordable

More affordable than: 12 of 51 states (24%)

Less affordable than: 38 of 51 states (75%)

MBR-HAI Score: 98.4 vs. national 100.6 (-2.2 points)

Nearby States

↑ 36 more affordable states above

#37 NV 98.9

#38 HI 98.7

#39 Colorado ◀ 98.4

#40 MD 97.6

#41 VT 97.3

↓ 10 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Colorado MBR-HAI — 90-Day Trend

Colorado

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Colorado

$539,400

Median Home Value

U.S. median: varies by state

$95,470

Median Household Income

U.S. median: $80,734

5.6x

Price-to-Income Ratio

Home value ÷ income

$1,817/mo

Median Owner Costs

22.8% of income annually

$2,791/yr

Median Property Tax

0.52% effective rate

62.3%

Homeownership Rate

U.S. average: 65.7%

29.8%

Owner Cost Burden

% spending 30%+ of income on housing

6.521%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Colorado Ranks Among All States

#39

of 51 states

Least Affordable Most Affordable

Colorado is more affordable than 24% of U.S. states — Near National Average

98.4

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 35 states →
36	Florida	99.9	Near National Average
37	Nevada	98.9	Near National Average
38	Hawaii	98.7	Near National Average
39	Colorado You are here	98.4	Near National Average
40	Maryland	97.6	Near National Average
41	Vermont	97.3	Near National Average
42	Dist. of Columbia	95.5	Near National Average
▼ See all 51 state rankings →

Showing states ranked near Colorado — April 10, 2026 • View complete national rankings →

Download Colorado HAI Data

Colorado History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,CO,98.4,100.6,6.521                

Download CO History (CSV)

All 51 States (CSV)

Compare Colorado to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Colorado ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Colorado Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Colorado.