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Market MapFort Collins, CO
Metropolitan Area

Fort Collins, CO

Colorado01 counties
37
/100
Avoid
#859 of 894 metros
Top 96% nationally for investing

Market Snapshot

$542,284
Median Home Price
122% above national median
$1,881/mo
Median Rent
36% above national median
4.16%
Rent-to-Price Ratio
Top 92% nationally
-$1,620
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$542,284
Down Payment (20%)$108,457
Loan Amount$433,827
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,881
Monthly P&I-$2,843
Est. Expenses (35%)-$658
Net Cash Flow-$1,620/mo
2.7%
Cap Rate (all cash)
-15.6%
Cash-on-Cash Return
4.16%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 2.7% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
37/100
37
Cash Flow(30%)
32/100

Based on 4.16% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
42/100

Based on -2.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
23/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (4.16%)
  • -Declining home values (-2.0% YoY)
  • -Negative cash flow at typical financing (-$1,620/mo)
  • -Negative leverage (cap rate 2.7% < mortgage rate 6.9%)

Counties in Fort Collins, CO

Best Overall
Larimer
CO - Score: 40
Verdict
LarimerCO
359,36340$542,283$1,8814.16%AvoidView

Click any county to see detailed investment analysis

Compare to Similar Metros

Metro AreaVerdict
Tallahassee, FL
Tallahassee, FL
57$274,926$1,4626.38%HoldView
Crossville, TN
Crossville, TN
57$299,190$1,6256.52%HoldView
Columbus, OH
Columbus, OH
57$319,706$1,4885.59%HoldView
Killeen, TX
Killeen, TX
57$248,829$1,3146.33%HoldView
Twin Falls, ID
Twin Falls, ID
57$370,903$1,6975.49%HoldView
Current
Fort Collins, CO
37$542,284$1,8814.16%Avoid

The Bottom Line

AvoidFort Collins, CO may be challenging for traditional rentals. High prices or low rents make cash flow difficult. Look for specific counties with better ratios.

The Fort Collins, CO metro area scores 37/100, ranking #859 of 894 US metros (top 96%). The 4.16% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Among 1 counties, Larimer shows the strongest investment potential (score: 40). Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-1,620/mo
Cap Rate
2.7%
Cash-on-Cash
-17.9%

Ready to Invest in Fort Collins, CO?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit propertiesBest CountyLarimer
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