Average mortgage payment in Adams County, CO (2026)
The average mortgage payment in Adams County on a median-priced home (~$655,000) is roughly $4,776/month — assuming 10% down at a 6.85% 30-year fixed rate and Colorado's 0.55% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $204,684. County population is roughly 519,572.
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How Adams County compares to Colorado
The typical home in Adams County is 20% above the statewide median of $545,000 in Colorado. Property tax is set at the state's effective rate of 0.55% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Adams County?+
On a median Adams County home (~$655,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $4,776/month, including ~$300 in property tax.
What income do I need to buy a home in Adams County?+
Using the 28% front-end DTI rule, you'd need roughly $204,684 in annual gross household income to comfortably carry the median Adams County home.
How does Adams County compare to the rest of Colorado?+
Adams County's median home ($655,000) is 20% above the Colorado median of $545,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.