The typical owner-occupied home in Niwot is worth about $995,700, 85% above the Colorado median of $539,400 and 3.0 times the national median of $332,700. Owners pay a median $5,352 a year in property taxes, about 0.54% of their home's value, higher than the Colorado rate of 0.48%. The median household earns $146,492 a year, so the median home costs 6.8 times the median income (5.6 times for Colorado). 77% of occupied homes here are lived in by their owners, and 72% of those owners still have a mortgage.
Niwot at a glance
| Niwot | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $995,700 | $539,400 | $332,700 |
| Median property tax paid per year | $5,352 | $2,602 | $3,119 |
| Property tax as a share of value | 0.54% | 0.48% | 0.94% |
| Median household income | $146,492 | $95,470 | $80,734 |
| Homes lived in by their owners | 77% | 66% | 65% |
| Owner homes with a mortgage | 72% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $3,226 | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 22.8% | 22.1% | 21.0% |
| Median rent | $1,414 | $1,761 | $1,413 |
| Rent as a share of renters' income | 41.5% | 31.4% | 30.6% |
| Median year homes were built | 1983 | 1988 | 1980 |
| Vacant homes | 1.4% | 8.3% | 10.1% |
| Population | 3,447 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Niwot
At this week's average 30-year rate of 7.11%, buying the median Niwot home of $995,700 with 20% down costs about $6,221 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $8,040, 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 $266,634 for the 20%-down payment. That payment is 51% of the median Niwot household income of $146,492; at that income and 20% down, the 28% guideline points to a home of about $547,000.
The median rent here is $1,414 a month, so owning the median home costs about $4,807 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $199,140 |
|---|---|
| Loan amount | $796,560 |
| Principal and interest | $5,359 |
| Property taxes (0.54% a year) | $448 |
| Homeowners insurance (our estimate, 0.5% a year) | $415 |
| PMI | $0 |
| Total per month | $6,221 |
Change the numbers in the calculator
| Down payment | $34,850 |
|---|---|
| Loan amount | $977,665 |
| Principal and interest | $6,577 |
| Property taxes (0.54% a year) | $448 |
| Homeowners insurance (our estimate, 0.5% a year) | $415 |
| FHA mortgage insurance | $601 |
| Total per month | $8,040 |
Change the numbers in the calculator
Questions about home buying in Niwot
What is the median home value in Niwot?
About $995,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Niwot?
Homeowners pay a median $5,352 a year, which is about 0.54% 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 Niwot?
For the median home with 20% down at 7.11%, the payment is about $6,221 a month. Keeping that under 28% of gross income takes about $266,634 a year.
More about Niwot
- Mortgage Refinance in Niwot
- Debt Relief in Niwot
- Home Equity Loans in Niwot
- 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