MonitorBankRates
☰
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

Windsor, CO Housing Affordability Index

Windsor, Colorado has an MBR Housing Affordability Index score of 87.4 (Moderately Less Affordable) as of October 30, 2026, ranking 198th most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $604,000 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $3,317, or 31% of the city’s $127,028 median household income.

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

Windsor MBR-HAI 87.4 Moderately Less Affordable
Rank in Colorado 198 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 $604,000 U.S. Census Bureau

Windsor is 4.0 points above the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Windsor Mortgage Rates

What It Takes to Buy in Windsor

$3,317/mo
Principal & Interest
Median home, 20% down, 7.31%
$142,200
Income Needed
To keep the payment at 28% of income
$127,028
Median Household Income
Colorado: $95,470
4.8x
Price-to-Income Ratio
Colorado: 5.6x
$2,171/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,866/yr
Median Property Tax
0.64% of median value
27.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
60.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Windsor Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Windsor, Colorado score: 87.4 (Moderately Less Affordable), ranked 198 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/windsor”