Denver Mortgage Rates Today

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Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Fixed	6.875%	7.669%	1.773	$2,976
VA 30-Year Fixed	6.625%	7.036%	2.207	$2,905
Conventional 15-Year Fixed	6.500%	6.943%	2.084	$3,685
Conventional 30-Year Fixed	7.125%	7.378%	1.797	$2,994
Jumbo 30-Year Fixed	7.125%	7.347%	2.050	$7,358

Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Refinance	7.000%	7.841%	2.295	$3,006
VA 30-Year Refinance	7.000%	7.304%	2.500	$2,976
Conventional 15-Year Refinance	6.750%	7.232%	2.417	$3,733
Conventional 30-Year Refinance	7.375%	7.637%	1.999	$3,054
Jumbo 30-Year Refinance	7.250%	7.502%	2.250	$7,438

Loan Type	Rate	APR	Points	Est. Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.669% APR and $2,976 monthly payment at 70% loan-to-value (LTV) and 1.773 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 7.036% APR and $2,905 monthly payment at 70% loan-to-value (LTV) and 2.207 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.943% APR and $3,685 monthly payment at 70% loan-to-value (LTV) and 2.084 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.378% APR and $2,994 monthly payment at 70% loan-to-value (LTV) and 1.797 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.347% APR and $7,358 monthly payment at 70% loan-to-value (LTV) and 2.050 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 1, 2026.

Estimated property taxes are based on a 0.45% effective rate for Denver County, Colorado, applied to the property value for each scenario shown. Rate is median real estate tax paid by households with a mortgage divided by median home value, per the American Community Survey 2020–2024. Taxes shown are an estimate only and vary by property.

Estimated homeowners insurance is based on an average annual premium of $5,390 for Denver, CO, divided by twelve. That average covers existing homes of all values in the area, not the property value shown. Insurance shown is an estimate only and varies by property, coverage and carrier.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.841% APR and $3,006 monthly payment at 70% loan-to-value (LTV) and 2.295 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.304% APR and $2,976 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.232% APR and $3,733 monthly payment at 70% loan-to-value (LTV) and 2.417 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.637% APR and $3,054 monthly payment at 70% loan-to-value (LTV) and 1.999 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.502% APR and $7,438 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 1, 2026.

Estimated monthly payment includes principal, interest, estimated Denver, CO property taxes, and estimated homeowners insurance.

Denver housing market at a glance

September 2026 data

In Denver, homes are selling in about 57 days (3 faster than a year ago), sales are up 13.9% from last year, and about 33% of listings have had a price cut.

Median sale price

$515,000

$352 per sq. ft.

Homes sold

5,386

▲ 13.9% vs. 4,730 last year

Days on market

vs. 60 days last year

Homes for sale

5,158

278 new listings

Listings with a price cut

33%

1,701 of 5,158 listings

Source: Movoto Denver, CO market trends, September 2026. Last updated October 5, 2026.

What it costs to buy a home in Denver

Monthly payments on Denver's median home price of $515,000 (September 2026), at today's rates.

20% down · Conventional

$3,418/mo

Down payment: $103,000
Loan amount: $412,000
Rate: 7.125%
Principal & interest: $2,776
Est. property tax: $193
Est. homeowners insurance: $449

5% down · Conventional

$3,939/mo

Down payment: $25,750
Loan amount: $489,250
Rate: 7.125%
Principal & interest: $3,296
Est. property tax: $193
Est. homeowners insurance: $449

3.5% down · FHA

$3,964/mo

Down payment: $18,025
Loan amount: $505,672
Rate: 6.875%
Principal & interest: $3,322
Est. property tax: $193
Est. homeowners insurance: $449

Payments include principal, interest, estimated Denver property taxes, and estimated homeowners insurance. They do not include mortgage insurance (PMI or FHA monthly MIP), which applies with less than 20% down, or HOA dues. The FHA loan amount includes the 1.75% upfront mortgage insurance premium. These are examples based on the median price, not the sample loan used in the rate table above.

How much income do you need to buy a home in Denver?

A common lender guideline is to keep your total housing payment (principal, interest, estimated Denver property taxes, and estimated homeowners insurance) at or below 28% of your gross monthly income. Gross income is what you earn before taxes and other deductions come out of your paycheck. Based on that guideline, here's the yearly household income needed for Denver's $515,000 median home:

20% down · Conventional$3,418/mo payment $146,489/yrabout $12,207/mo before taxes

5% down · Conventional$3,939/mo payment $168,794/yrabout $14,066/mo before taxes

3.5% down · FHA$3,964/mo payment $169,897/yrabout $14,158/mo before taxes

Why this matters: Keeping housing costs near 28% of your income leaves room for other bills, savings and the upkeep that comes with owning a home. It's a planning guideline, not a hard limit.

What lenders look at: Lenders also look at your debt-to-income (DTI) ratio, which adds your car, student loan and credit card payments to the new mortgage payment. Depending on the loan program and your credit, many lenders allow total debts of roughly 43% to 50% of gross income, so you may qualify with less income than shown, or need more if you carry other debt.

Household income counts: If you're buying with a partner or co-borrower, lenders can combine your incomes.

How rates change your payment

Principal and interest on a $412,000 loan (the Denver median price with 20% down). Every 0.25% is worth about $69/mo.

Rate	6.13%	6.38%	6.63%	6.88%	7.13% today	7.38%
Monthly P&I	$2,503	$2,570	$2,638	$2,707	$2,776	$2,846

Ways to make a Denver home more affordable

Negotiate on price. About 33% of Denver listings have had a price cut, so many sellers are open to offers.
Consider buying down your rate. On this example loan, a rate 0.5% lower saves about $138 a month.
Compare loan types. FHA rates are at 6.875% vs. 7.125% for conventional, with as little as 3.5% down. Compare by APR, including mortgage insurance.

Denver mortgage and home buying FAQs

What are mortgage rates in Denver today?

As of October 19, 2026, Lower’s 30-year fixed conventional rate in Denver is 7.125% (7.378% APR), and the 30-year FHA rate is 6.875% (7.669% APR). Your rate depends on your credit, down payment, loan type and any points you pay. See the rate table above for points and full details.

What is the monthly payment on a median-priced home in Denver?

On Denver’s $515,000 median home price (September 2026), a 30-year conventional loan with 20% down at 7.125% comes to about $3,418 a month, including principal, interest, estimated Denver property taxes, and estimated homeowners insurance. With an FHA loan and 3.5% down, it’s about $3,964 a month before monthly mortgage insurance.

How much income do I need to buy a house in Denver?

To keep housing costs at 28% of gross (pre-tax) income, you’d need a household income of about $146,489 a year to buy Denver’s $515,000 median home with 20% down, or about $169,897 with an FHA loan and 3.5% down. Lenders also consider your other debts, so the income you need may be higher or lower.

How much do I need for a down payment in Denver?

On the $515,000 median home, 20% down is $103,000, 5% down is $25,750, and the FHA minimum of 3.5% is $18,025. Putting less than 20% down usually means paying mortgage insurance. You’ll also need money for closing costs.

Is it a buyer’s or seller’s market in Denver right now?

In September 2026, Denver homes sold in about 57 days, 3 days faster than a year earlier. 5386 homes sold, up from 4730 the year before, and about 33% of the 5158 homes for sale have had a price cut.

How much does a quarter-point rate change affect payments in Denver?

On a $412,000 loan (the median Denver home with 20% down), each 0.25% change in rate moves the principal and interest payment by about $69 a month, or about $830 a year.

How much are property taxes in Denver?

Lower estimates Denver property taxes at about 0.45% of a home’s value per year. On the $515,000 median home, that’s roughly $2,317 a year, or $193 a month. Your actual bill depends on your assessed value and any exemptions.

Market data: Movoto, September 2026. Homeowners insurance estimates are based on average annual premiums in Denver from The Zebra; your quote will vary. Rates as of October 19, 2026. Examples only; not an offer of credit. Your rate and payment depend on your credit, down payment, loan type and other factors.

5.0

Very communitave, prompt and professional. Great experience working with Lisa

Gregg G.

Verified Customer

October 3, 2026

5.0

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Verified Customer

October 5, 2026

5.0

Sandy went above and beyond to ensure I recieved this property. I also appreciate how fast the process was and I will be recommending her to my friends and family. Thank you so much!!

Sengfong R.

Verified Customer

August 7, 2026

5.0

Sandy works both quickly and efficently getting me into my home in a month. I appreciated how seamless she made the process as someone who's never even rented an apartment before. Thank you again Sandy for all … your hard work!

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Verified Customer

August 11, 2026

5.0

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Verified Customer

October 8, 2026

5.0

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Verified Customer

September 13, 2026

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Denver Mortgage Rates Today

Current Mortgage Rates in Denver

Denver housing market at a glance

What it costs to buy a home in Denver

How much income do you need to buy a home in Denver?

How rates change your payment

Ways to make a Denver home more affordable

Denver mortgage and home buying FAQs

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