Adams County, Colorado: What It Costs to Buy a Home
The median home in Adams County is worth $458,400, property taxes on it run about $2,770 a year (0.6%), the FHA loan limit is $862,500, and closing on it means about $46 in transfer tax plus $3,836 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $458,400 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $2,770 a year, 0.6% of value | Property tax page → |
| FHA loan limit (1 unit) | $862,500 | Loan limits page → |
| Conforming loan limit (1 unit) | $862,500 | Loan limits page → |
| Transfer tax on the median home | $46 | Colorado transfer tax page → |
| Title insurance on the median home | $1,918 owner's + $1,918 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $80 | Recording fees page → |
| Closing costs from these items | $3,962 | Closing costs page → |
| Area median income (HUD, family of 4) | $144,000; low-income limit $106,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Adams County?
The median owner-occupied home in Adams County is valued at $458,400, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Adams County?
The median Adams County homeowner pays $2,770 a year in real estate taxes, about 0.6% of the median home value ($2,902 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Adams County?
$862,500 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $862,500, per FHFA.
What does it cost to close on a home in Adams County?
On the $458,400 median home: transfer tax $46, title insurance $3,836 for both policies, recording fees about $80, about $3,962 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Adams County?
HUD's FY 2026 median family income for Adams County (Denver-Aurora-Centennial, CO MSA) is $144,000. A family of four counts as low income below $106,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Colorado counties
- Alamosa County $218,800
- Arapahoe County $526,000
- Archuleta County $451,400
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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