$218,640/yr
is the income needed to buy the typical $727,775 home in Boulder, CO at today's 6.69% rate — about $5,102/mo. The local median household ($102,772) falls $115,868 short.
The math (shown)
727,775 price − 10% down (72,778) = 654,997 loan
30-yr fixed at 6.69% on 654,997 = 4,222/mo principal+interest
+ 879/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
5,102/mo PITI ÷ 0.28 = 18,220/mo → 218,640/yr required
against Zillow ZHVI 2026-06 (Zillow ZHVI (typical home value, smoothed, all-homes 33–67pct tier)) and the 6.69% FRED 30-yr rate (2026-08-06). Local median income: $102,772 (U.S. Census Bureau ACS 2023 5-year, median household income (table B19013)).
Can I afford Boulder, CO on my salary?
Your salary:
Rent vs own here
Honest null: HUD FMR needs a free huduser.gov token (env.HUD_TOKEN). Honest-null until set. (HUD FMR needs a free token; not wired here.)
FAQ
How much do I need to make to live in Boulder, CO?
To buy the typical home, about $218,640/yr. Renting needs less; this page sizes the buy.
What home value is this based on?
Zillow's ZHVI typical-home-value for the Boulder, CO metro (2026-06): $727,775.
Is the mortgage rate current?
Yes — 6.69% from FRED's weekly 30-year fixed average (2026-08-06).
Glossary
ZHVI
Zillow Home Value Index — the typical home value for a region (35th–65th percentile, smoothed, seasonally adjusted).
Front-end DTI
Housing payment as a share of gross income; lenders commonly cap it near 28%.
PITI
Principal, Interest, Taxes, and Insurance — the full monthly housing cost.