Safe Rate Local

Mortgage Rates in Denver County, CO

6.920%APR 6.943% · $3,095/mo (20% Down)
Updated daily · May 22, 2026+0.461% (14d)
Safe Rate Choice20% Down Conv.
← Back to Denver County Hub
14-Day Rate Trend
+0.461%
LO 6.459%HI 6.920%TODAY 6.920%
ProductRate / APR Mo. Payment Points
15-Year Refi
15-year fixed refinance
0% Down740 FICO15-yr
5.991%
6.024% APR
$3,747
Principal & Interest
$0 Points
FHA Streamline
FHA streamline refinance
+$259/mo MI
0% Down640 FICO30-yr
6.123%
6.883% APR
$3,497
Principal & Interest
$0 Points
VA Cash-Out
VA cash-out refinance
0% Down640 FICO30-yr
6.209%
6.570% APR
$3,583
Principal & Interest
$0 Points
VA IRRRL
VA streamline refinance
0% Down640 FICO30-yr
6.256%
6.399% APR
$3,291
Principal & Interest
$0 Points
Rate/Term Refi
Conventional rate/term refinance
0% Down740 FICO30-yr
6.958%
6.982% APR
$2,944
Principal & Interest
$0 Points
Cash-Out Refi
Conventional cash-out refinance
0% Down740 FICO30-yr
7.336%
7.361% APR
$3,227
Principal & Interest
$0 Points

Mortgage Rates in Denver County: Local Market Snapshot

Median Home Value
$689,349
2-Yr Appreciation
5.3%
increase
Median Income
$104,523
household
Price-to-Income
6.6x
stretched

Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to Denver County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.

Frequently Asked Questions

Market Snapshot

FIPS 08031
Average Home Value
$689,349
Average Rent
$1,915/mo
Average Income
$104,523
Property Tax
$2,992/yr
Avg Loan
$444,339
Avg LTV
75.8%

Estimated Insurance

Homeowners Insurance
HO-3 policy · covers dwelling, property & liability
$356/mo
Flood Insurance$135/mo
Risk TierLow
Get Your Rate

Get a custom quote for Denver County, take our product quiz to find the right loan, or save this rate to your dashboard.

Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.