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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

Castle Rock, CO Housing Affordability Index

Castle Rock, Colorado has an MBR Housing Affordability Index score of 90.5 (Near National Average) as of October 30, 2026, ranking 185th most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $652,900 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $3,586, or 30% of the city’s $145,197 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Castle Rock 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.

Castle Rock MBR-HAI 90.5 Near National Average
Rank in Colorado 185 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 $652,900 U.S. Census Bureau

Castle Rock is 7.1 points above the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Castle Rock Mortgage Rates

What It Takes to Buy in Castle Rock

$3,586/mo
Principal & Interest
Median home, 20% down, 7.31%
$153,700
Income Needed
To keep the payment at 28% of income
$145,197
Median Household Income
Colorado: $95,470
4.5x
Price-to-Income Ratio
Colorado: 5.6x
$2,617/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,651/yr
Median Property Tax
0.56% of median value
22.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
58.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Castle Rock Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Castle Rock, Colorado score: 90.5 (Near National Average), ranked 185 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/castle-rock”