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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

Estes Park, CO Housing Affordability Index

Estes Park, Colorado has an MBR Housing Affordability Index score of 81.2 (Moderately Less Affordable) as of October 30, 2026, ranking 239th most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $664,200 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $3,648, or 51% of the city’s $85,956 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Estes Park 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.

Estes Park MBR-HAI 81.2 Moderately Less Affordable
Rank in Colorado 239 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 $664,200 U.S. Census Bureau

Estes Park is 2.2 points below the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Estes Park Mortgage Rates

What It Takes to Buy in Estes Park

$3,648/mo
Principal & Interest
Median home, 20% down, 7.31%
$156,300
Income Needed
To keep the payment at 28% of income
$85,956
Median Household Income
Colorado: $95,470
7.7x
Price-to-Income Ratio
Colorado: 5.6x
$1,443/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,348/yr
Median Property Tax
0.35% of median value
24.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
35.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Estes Park Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Estes Park, Colorado score: 81.2 (Moderately Less Affordable), ranked 239 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/estes-park”