Cost of Living in Thornton
I-25 corridor hub, big city services, suburban price
What it costs to live in Thornton
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$2,961 – $3,361 | |
|---|---|
| Mortgage (6.5%, 20% down) | $2,604 |
| Property tax | $224 |
| HOA | $0 – $200 |
| Insurance | $133 |
| Metro district fees | not yet verified |
Transportation$550 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~18 min to downtown) | $50 |
Utilities$345 | |
|---|---|
| Electric & gas | $205 |
| Water | $70 |
| Internet | $70 |
Groceries$650 | |
|---|---|
| Monthly estimate | $650 |
Housing figures updated April 2026. Confidence: low.
varies by neighborhood
Housing Market
- Median Home Price
- $500K–$527K
- Price per Sq Ft
- ~$255/sqft
- Data Year
- 2026
Tax Rates
- Property Tax Rate
- ~0.52% effective (Adams County)
- Sales Tax Rate
- 8.5% (City 3.75% + 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
- $95,064
- Cost of Living Index
- 121.3 (21% above national average)
- Avg Childcare Cost
- $947–$1,400
Common QuestionsFAQ, Thornton
What is the median home price in Thornton?
The median home price in Thornton is $500K–$527K as of 2026 (Redfin ~$527K, Zillow ~$498K), at roughly $255 per square foot. Thornton is Colorado’s 6th-largest city by population and offers some of the most competitive pricing among north metro suburbs.
What is the cost of living in Thornton?
Thornton’s cost of living index is 121.3, about 21% above the national average. The effective property tax rate is approximately 0.52% in Adams County. The combined sales tax rate is 8.5%. Colorado’s state income tax is a flat 4.4%. The median household income is $95,064.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.