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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

Fort Morgan, CO Housing Affordability Index

Fort Morgan, Colorado has an MBR Housing Affordability Index score of 95.2 (Near National Average) as of October 30, 2026, ranking 161st most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $313,400 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,721, or 32% of the city’s $64,158 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fort Morgan 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.

Fort Morgan MBR-HAI 95.2 Near National Average
Rank in Colorado 161 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 $313,400 U.S. Census Bureau

Fort Morgan is 11.9 points above the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Fort Morgan Mortgage Rates

What It Takes to Buy in Fort Morgan

$1,721/mo
Principal & Interest
Median home, 20% down, 7.31%
$73,800
Income Needed
To keep the payment at 28% of income
$64,158
Median Household Income
Colorado: $95,470
4.9x
Price-to-Income Ratio
Colorado: 5.6x
$1,224/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,578/yr
Median Property Tax
0.50% of median value
37.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fort Morgan Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fort Morgan, Colorado score: 95.2 (Near National Average), ranked 161 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/fort-morgan”