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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

Watkins, CO Housing Affordability Index

Watkins, Colorado has an MBR Housing Affordability Index score of 97.0 (Near National Average) as of October 30, 2026, ranking 150th most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $650,500 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $3,573, or 27% of the city’s $158,173 median household income.

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

Watkins MBR-HAI 97.0 Near National Average
Rank in Colorado 150 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 $650,500 U.S. Census Bureau

Watkins is 13.6 points above the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Watkins Mortgage Rates

What It Takes to Buy in Watkins

$3,573/mo
Principal & Interest
Median home, 20% down, 7.31%
$153,100
Income Needed
To keep the payment at 28% of income
$158,173
Median Household Income
Colorado: $95,470
4.1x
Price-to-Income Ratio
Colorado: 5.6x
$2,443/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,961/yr
Median Property Tax
0.46% of median value
30.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Watkins Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Watkins, Colorado score: 97.0 (Near National Average), ranked 150 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/watkins”