Severance

What Homes Cost

The median home runs $497K to $520K as of 2026, depending on the source, which prices Severance well below Timnath and Windsor while delivering some of the newest housing stock in the region. Prices have climbed 3 to 5% year over year, homes average 30 to 45 days on market, and new construction from the mid-$400Ks remains the headline draw.

Read the fine print on fees, though. HOAs are universal in new construction at $150 to $250 a month, and metro district fees add another $150 to $350 on top. That second line item surprises buyers who shopped on sticker price alone, and it belongs in every Severance budget conversation from day one.

Estimated monthly cost

$4,752 – $5,052/mo

Covers housing, transportation, utilities, and groceries.

See the full breakdown: mortgage at today's rate, property tax at Severance's mill levy, utilities at local provider rates, and a gas estimate tuned to the commute distance. Adjust sliders to model your own budget.

The town's most famous institution is Bruce's Bar, home of the Rocky Mountain Oyster and a genuine Colorado rite of passage. Beyond that singular claim to fame, life centers on Great Western Park, the community hub, along with Severance Town Park and the Cache la Poudre River east of town for fishing and wildlife. Every new development adds parks, splash pads, playgrounds, and trail segments, so the recreation map grows with the town.

The commercial scene is the work in progress. Severance Town Center, anchored by a new King Soopers, is the first real retail and dining hub in town, and the restaurant count still sits under ten. Severance Days, the annual festival with its parade, is the signature date on the calendar. For a night out, Windsor and Fort Collins cover the gap at 15 to 20 minutes, and most shopping runs still point that direction.

Severance fits buyers chasing the most new house for the money in Northern Colorado: a brand-new home under $520K, a B+ district with a 2022-vintage high school, and open sky in every direction, with Great Western's 3,000-plus homes at buildout guaranteeing the town keeps growing into itself.

The trade-offs are infrastructure lag and the fee stack. Nearly everything beyond groceries means a drive to Windsor or Greeley, in-town dining is a short list with one famous entry, and HOA plus metro district fees can add $300 to $600 a month to a mortgage payment. Buyers who want an established main street and full services out the door will be happier in Windsor or Fort Collins. Buyers who want new construction value and don't mind watching a town assemble itself around them will find Severance one of the region's most interesting bets.

The Practical File

Weld County's tax structure is a quiet advantage: combined sales tax is just 6.4%, among the lowest on the Front Range, and the base property tax rate runs about 0.55% before metro district overlays. Overall cost of living lands roughly 5% above the national average, modest by Colorado standards. The Town of Severance supplies water, Xcel Energy handles power and gas, and internet comes from Comcast with Allo fiber expanding. Healthcare means a 15 to 20 minute drive to hospitals in Windsor, Greeley, or Loveland, with in-town urgent care still limited. Childcare runs $1,100 to $1,400 a month across a small but growing set of centers. At 4,800 feet with around 300 sunny days and 45 inches of annual snow, the climate is classic high plains.