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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

Towaoc, CO Housing Affordability Index

Towaoc, Colorado has an MBR Housing Affordability Index score of 56.3 (Significantly Less Affordable) as of October 30, 2026, ranking 284th most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $425,900 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $2,339, or 122% of the city’s $22,955 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Towaoc 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.

Towaoc MBR-HAI 56.3 Significantly Less Affordable
Rank in Colorado 284 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 $425,900 U.S. Census Bureau

Towaoc is 27.1 points below the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Towaoc Mortgage Rates

What It Takes to Buy in Towaoc

$2,339/mo
Principal & Interest
Median home, 20% down, 7.31%
$100,200
Income Needed
To keep the payment at 28% of income
$22,955
Median Household Income
Colorado: $95,470
18.6x
Price-to-Income Ratio
Colorado: 5.6x
$1,254/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,357/yr
Median Property Tax
0.55% of median value
54.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
34.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Towaoc Ranks in Colorado

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

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Towaoc, Colorado score: 56.3 (Significantly Less Affordable), ranked 284 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/towaoc”