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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Black Hawk, CO Housing Affordability Index

Black Hawk, Colorado has an MBR Housing Affordability Index score of 141.7 (Highly Affordable) as of October 30, 2026, ranking 49th most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $496,200 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $2,725, or 28% of the city’s $116,806 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Black Hawk is updated every night from live Colorado mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Black Hawk MBR-HAI 141.7 Highly Affordable
Rank in Colorado 49 of 284 1 = most affordable
Colorado 83.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Colorado lenders
Median home value $496,200 U.S. Census Bureau

Black Hawk is 58.4 points above the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Black Hawk Mortgage Rates

What It Takes to Buy in Black Hawk

$2,725/mo
Principal & Interest
Median home, 20% down, 7.31%
$116,800
Income Needed
To keep the payment at 28% of income
$116,806
Median Household Income
Colorado: $95,470
4.2x
Price-to-Income Ratio
Colorado: 5.6x
$1,531/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,791/yr
Median Property Tax
Colorado figure
4.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
11.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Black Hawk, Colorado. The rate is the Colorado average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Black Hawk Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Black Hawk, Colorado score: 141.7 (Highly Affordable), ranked 49 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/black-hawk”