What it costs to live in Commerce City
Adjust the sliders for your situation. Ranges reflect uncertainty in HOA and metro district fees, narrower is more confident.
Based on your inputs below
Assumes 20% down, 30-year fixed at 6.5% (as of 2026-04-22).
Housing$2,591 – $2,991 | |
|---|---|
| Mortgage (6.5%, 20% down) | $2,250 |
| Property tax | $224 |
| HOA | $0 – $200 |
| Insurance | $117 |
| Metro district fees | not yet verified |
Transportation$531 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~11 min to downtown) | $31 |
Utilities$350 | |
|---|---|
| Electric & gas | $205 |
| Water | $75 |
| Internet | $70 |
Groceries$650 | |
|---|---|
| Monthly estimate | $650 |
Housing figures updated April 2026. Confidence: low.
car-dependent
Housing Market
- Median Home Price
- $420K–$470K
- Data Year
- 2026
Tax Rates
- Property Tax Rate
- ~0.60% effective (Adams County)
- Sales Tax Rate
- 9.25% (City 4.50% + State 2.90% + Adams County 0.75% + RTD 1.10%)
- Vehicle Registration
- Standard Colorado
- State Income Tax Impact
- 4.4% flat
- Cost of Living vs National
- ~21% above national average
Income & Cost Context
- Median Household Income
- $68,000
- Cost of Living Index
- 121.3 (21% above national average)
- Avg Childcare Cost
- $1,100–$1,400
Common QuestionsFAQ, Commerce City
What are the school ratings in Commerce City?
Commerce City is served by two districts with significantly different ratings: Adams 14 (Niche grade C) covers older Commerce City and is under state oversight, while School District 27J (B−) covers the Reunion area and newer developments with stronger ratings. The district that serves your home varies dramatically by neighborhood. Always verify enrollment by address.
What is the median home price in Commerce City?
The median home price in Commerce City is $420K–$470K as of 2026, making it one of the most affordable cities directly adjacent to Denver. Prices range from $350K in older areas to $550K+ in the Reunion master-planned community.
What is the cost of living in Commerce City?
Commerce City’s cost of living index is 121.3, about 21% above the national average. The effective property tax rate is approximately 0.60% (Adams County). The combined sales tax rate is 9.25%. The median household income is $68,000.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.