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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

Red Cliff, CO Housing Affordability Index

Red Cliff, Colorado has an MBR Housing Affordability Index score of 58.3 (Significantly Less Affordable) as of October 30, 2026, ranking 283rd most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $837,000 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $4,597, or 76% of the city’s $72,125 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Red Cliff 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.

Red Cliff MBR-HAI 58.3 Significantly Less Affordable
Rank in Colorado 283 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 $837,000 U.S. Census Bureau

Red Cliff is 25.1 points below the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Red Cliff Mortgage Rates

What It Takes to Buy in Red Cliff

$4,597/mo
Principal & Interest
Median home, 20% down, 7.31%
$197,000
Income Needed
To keep the payment at 28% of income
$72,125
Median Household Income
Colorado: $95,470
11.6x
Price-to-Income Ratio
Colorado: 5.6x
$2,196/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,359/yr
Median Property Tax
0.40% of median value
42.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
81.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Red Cliff Ranks in Colorado

Cities with similar scores
#280Crested Butte60.8 #281Basalt60.1 #282Boulder58.8
#283Red Cliff58.3
#284Towaoc56.3
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Cite the Red Cliff Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Red Cliff, Colorado score: 58.3 (Significantly Less Affordable), ranked 283 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/red-cliff”