The typical owner-occupied home in Nederland is worth about $707,100, 31% above the Colorado median of $539,400 and 2.1 times the national median of $332,700. Owners pay a median $4,275 a year in property taxes, about 0.60% of their home's value, higher than the Colorado rate of 0.48%. The median household earns $122,917 a year, so the median home costs 5.8 times the median income (5.6 times for Colorado). 73% of occupied homes here are lived in by their owners, and 69% of those owners still have a mortgage.
Nederland at a glance
| Nederland | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $707,100 | $539,400 | $332,700 |
| Median property tax paid per year | $4,275 | $2,602 | $3,119 |
| Property tax as a share of value | 0.60% | 0.48% | 0.94% |
| Median household income | $122,917 | $95,470 | $80,734 |
| Homes lived in by their owners | 73% | 66% | 65% |
| Owner homes with a mortgage | 69% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $2,699 | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 24.5% | 22.1% | 21.0% |
| Median rent | $1,453 | $1,761 | $1,413 |
| Rent as a share of renters' income | 19.9% | 31.4% | 30.6% |
| Median year homes were built | 1978 | 1988 | 1980 |
| Vacant homes | 5.5% | 8.3% | 10.1% |
| Population | 1,655 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Nederland
At this week's average 30-year rate of 7.11%, buying the median Nederland home of $707,100 with 20% down costs about $4,454 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,631, 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 $190,866 for the 20%-down payment. That payment is 43% of the median Nederland household income of $122,917; at that income and 20% down, the 28% guideline points to a home of about $455,000.
The median rent here is $1,453 a month, so owning the median home costs about $3,001 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $141,420 |
|---|---|
| Loan amount | $565,680 |
| Principal and interest | $3,805 |
| Property taxes (0.60% a year) | $354 |
| Homeowners insurance (our estimate, 0.5% a year) | $295 |
| PMI | $0 |
| Total per month | $4,454 |
Change the numbers in the calculator
| Down payment | $24,748 |
|---|---|
| Loan amount | $694,293 |
| Principal and interest | $4,671 |
| Property taxes (0.60% a year) | $354 |
| Homeowners insurance (our estimate, 0.5% a year) | $295 |
| FHA mortgage insurance | $313 |
| Total per month | $5,631 |
Change the numbers in the calculator
Questions about home buying in Nederland
What is the median home value in Nederland?
About $707,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Nederland?
Homeowners pay a median $4,275 a year, which is about 0.60% 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 Nederland?
For the median home with 20% down at 7.11%, the payment is about $4,454 a month. Keeping that under 28% of gross income takes about $190,866 a year.
More about Nederland
- Mortgage Refinance in Nederland
- Debt Relief in Nederland
- Home Equity Loans in Nederland
- 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