Cost of Living in Federal Heights
Water World and budget-friendly living between Denver, Westminster, and Thornton
What it costs to live in Federal Heights
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$2,332 – $2,732 | |
|---|---|
| Mortgage (6.5%, 20% down) | $2,023 |
| Property tax | $201 |
| HOA | $0 – $200 |
| Insurance | $108 |
| Metro district fees | not yet verified |
Transportation$548 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~17 min to downtown) | $48 |
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
- $380K–$420K
- Data Year
- 2026
Tax Rates
- Property Tax Rate
- ~0.60% effective (Adams County)
- Sales Tax Rate
- 8.75% (City 4.00% + 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
- $56,597
- Cost of Living Index
- 121.3 (21% above national average)
- Avg Childcare Cost
- $1,000–$1,300
Common QuestionsFAQ, Federal Heights
What is the median home price in Federal Heights?
The median home price in Federal Heights is $380K–$420K as of 2026, making it one of the most affordable cities in the inner north metro. The housing stock is primarily older with some new infill development occurring as the area urbanizes.
What is the cost of living in Federal Heights?
Federal Heights’ 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 8.75%. The median household income is $56,597. Colorado’s state income tax is a flat 4.4%.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.