Affordable Homes in Northern Colorado: What’s Available Under $400K?
By Christine Gwinnup · 2025-02-13
Affordable Homes in Northern Colorado: What’s Available Under $400K?
Home prices in Northern Colorado have risen in recent years, making it harder for buyers to find affordable options. However, homes under $400K are still available—if you know where to look.
Where Can You Find Homes Under $400K?
- Greeley & Evans – Affordable single-family homes and townhomes.
- Wellington & Windsor – Townhomes and paired homes.
- Loveland & Fort Collins – Primarily condos and townhomes.
- Johnstown, Milliken & Severance – New construction townhomes.
- Berthoud & Eaton – Fixer-uppers and rural properties.
What Type of Homes Can You Get for $400K?
- Townhomes & Condos – Low maintenance and newer construction.
- Older Single-Family Homes – Available in select areas.
- New Construction Townhomes – Found in growing communities.
- Fixer-Uppers – Great for buyers willing to renovate.
Why Homes Under $400K Sell Fast
- Strong Buyer Demand – First-time buyers and investors compete.
- Limited Inventory – Fewer homes are available.
- Investors Target Affordable Homes – Great for rental income.
How to Compete in This Market
- Get Pre-Approved First – Sellers prefer pre-approved buyers.
- Act Quickly – Homes in this range sell fast.
- Consider Townhomes & Condos – More availability in this price range.
- Work With a Local Agent – Get early access to listings.
Buyer Assistance Programs
- CHFA – Low-interest loans & down payment assistance.
- First-Time Buyer Grants – Cash grants for eligible buyers.
- USDA Loans – Zero-down options for rural areas.
- FHA Loans – As little as 3.5% down.
More Home Buying & Selling Resources
Want A Local's Eye On This?
Christine Gwinnup answers these questions for buyers and sellers every week — at every price point. No pressure, real answers.
