The typical owner-occupied home in Adams County is worth about $484,200, 10% below the Colorado median of $539,400 and 46% above the national median of $332,700. Owners pay a median $2,962 a year in property taxes, about 0.61% of their home's value, higher than the Colorado rate of 0.48%. The median household earns $94,571 a year, so the median home costs 5.1 times the median income (5.6 times for Colorado). 69% of occupied homes here are lived in by their owners, and 72% of those owners still have a mortgage.
Adams County at a glance
| Adams County | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $484,200 | $539,400 | $332,700 |
| Median property tax paid per year | $2,962 | $2,602 | $3,119 |
| Property tax as a share of value | 0.61% | 0.48% | 0.94% |
| Median household income | $94,571 | $95,470 | $80,734 |
| Homes lived in by their owners | 69% | 66% | 65% |
| Owner homes with a mortgage | 72% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $2,378 | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 23.2% | 22.1% | 21.0% |
| Median rent | $1,781 | $1,761 | $1,413 |
| Rent as a share of renters' income | 33.2% | 31.4% | 30.6% |
| Median year homes were built | 1991 | 1988 | 1980 |
| Vacant homes | 3.6% | 8.3% | 10.1% |
| Population | 530,225 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Adams County
At this week's average 30-year rate of 7.11%, buying the median Adams County home of $484,200 with 20% down costs about $3,054 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,860, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $130,872 for the 20%-down payment. That payment is 39% of the median Adams County household income of $94,571; at that income and 20% down, the 28% guideline points to a home of about $350,000.
The median rent here is $1,781 a month, so owning the median home costs about $1,273 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $96,840 |
|---|---|
| Loan amount | $387,360 |
| Principal and interest | $2,606 |
| Property taxes (0.61% a year) | $246 |
| Homeowners insurance (our estimate, 0.5% a year) | $202 |
| PMI | $0 |
| Total per month | $3,054 |
Change the numbers in the calculator
| Down payment | $16,947 |
|---|---|
| Loan amount | $475,430 |
| Principal and interest | $3,198 |
| Property taxes (0.61% a year) | $246 |
| Homeowners insurance (our estimate, 0.5% a year) | $202 |
| FHA mortgage insurance | $214 |
| Total per month | $3,860 |
Change the numbers in the calculator
Questions about home buying in Adams County
What is the median home value in Adams County?
About $484,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Adams County?
Homeowners pay a median $2,962 a year, which is about 0.61% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Adams County?
For the median home with 20% down at 7.11%, the payment is about $3,054 a month. Keeping that under 28% of gross income takes about $130,872 a year.
More about Adams County
- Mortgage Refinance in Adams County
- Debt Relief in Adams County
- Home Equity Loans in Adams County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data