Gilpin County, Colorado: What It Costs to Buy a Home
The median home in Gilpin County is worth $512,600, property taxes on it run about $1,177 a year (0.23%), the FHA loan limit is $862,500, and closing on it means about $51 in transfer tax plus $4,040 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $512,600 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,177 a year, 0.23% 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 | $51 | Colorado transfer tax page → |
| Title insurance on the median home | $2,020 owner's + $2,020 lender's | Title insurance page → |
| Closing costs from these items | $4,091 | 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 Gilpin County?
The median owner-occupied home in Gilpin County is valued at $512,600, 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 Gilpin County?
The median Gilpin County homeowner pays $1,177 a year in real estate taxes, about 0.23% of the median home value ($1,225 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Gilpin 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 Gilpin County?
On the $512,600 median home: transfer tax $51, title insurance $4,040 for both policies, about $4,091 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Gilpin County?
HUD's FY 2026 median family income for Gilpin 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
- Elbert County $664,600
- Fremont County $282,100
- Garfield County $490,600
- Grand County $507,200
- Gunnison County $597,200
- Hinsdale County $438,800
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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