What is the average home price in Boulder?

The average home price in Boulder is approximately $1.2 million, with prices varying by neighborhood. Chautauqua and West Pearl neighborhoods often exceed $1.5 million, while North Boulder and Gunbarrel offer more affordable options starting around $600,000-$800,000.

Do you offer first-time homebuyer programs in Boulder?

Yes! We offer FHA loans (3.5% down), conventional loans with as little as 3% down, and can connect you with Boulder County down payment assistance programs. CHFA (Colorado Housing and Finance Authority) offers a grant of up to 3%, or a deferred second mortgage of up to 4%, of the first mortgage amount (capped at $25,000) for qualifying buyers.

Where is your Boulder office?

Our Boulder office is at 730 Maxwell Ave, Boulder, CO 80304. We serve all of Boulder County including Louisville, Lafayette, Superior, Longmont, Nederland, and Lyons. Call us at (303) 549-5277.

What salary do I need to buy a house in Boulder?

It depends on the price, rate and your other debts. As a rough guide, a $1.2 million Boulder home with 20% down takes about $190,000+ a year in household income at today's rates. Our affordability calculator runs your exact numbers.

Is it hard to get a mortgage in Boulder?

Not usually, but Boulder moves fast. Get fully pre-approved before you tour so your offer is ready the day you find the right home.

Do I need a jumbo loan to buy in Boulder?

It depends on the property price. In Boulder County, the 2026 conforming loan limit is $879,750. Loan amounts above that require jumbo financing. Jumbo loans usually need 10–20% down and a 700+ credit score.

Boulder's Flatirons above a golden meadow

Boulder · Boulder County

Boulder Home Loans & Mortgage Services

Name: Cedar Home Loans - Boulder
Address: 730 Maxwell Ave, Boulder, CO, 80302, US
Telephone: (303) 549-5277
Price range: $$

Home loans for buyers and owners in Boulder, from a Colorado mortgage broker with offices in Boulder, Vail and Telluride.

Get pre-approved Call usCall (303) 549-5277

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$1B+ funded
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Top 1% of UWM loan officers (2025)

Life in Boulder

Boulder sits at the intersection of mountain wilderness and urban sophistication. The iconic Flatirons provide a stunning red-rock backdrop to a city that consistently ranks among the healthiest, happiest, and most educated in America. Pearl Street Mall — the vibrant pedestrian heart of downtown — is home to independent bookstores, craft breweries, and award-winning restaurants.

What draws buyers here

300+ days of sunshine annually
Over 45,000 acres of open space and mountain parks
Vibrant Pearl Street pedestrian mall
Home to University of Colorado Boulder
Thriving tech and startup ecosystem
Farm-to-table dining scene

Owning property in Boulder

Boulder's strict growth boundary — one of the first in the nation — creates a permanent supply constraint that has driven consistent appreciation for decades. The city's 'blue line' literally limits development beyond a certain elevation, preserving mountain views and open space while keeping housing demand strong. Average home prices around $1.2 million reflect this scarcity.

County: Boulder County
Typical home price (approx.): About $1,200,000
Loans we arrange here: Conventional loans, Jumbo loans, FHA loans, VA loans, First-Time buyer programs

Prices are approximate and change with the market. Loan limits vary by county; see Colorado loan limits by county.

Financing a home in Boulder: what's different

Lending details specific to Boulder County.

Conforming high-balance versus jumbo

Boulder County has a high-cost conforming limit, and a large share of Boulder purchases land right around it. The difference between a high-balance conventional loan and a jumbo loan can be a quarter point in rate and a very different reserve requirement, so we price both on every file above the baseline limit before recommending a structure.

Older homes, historic districts and appraisals

Mapleton Hill, Whittier and parts of Chautauqua are historic or landmark districts with homes built before 1930. Appraisers and underwriters look closely at foundations, knob-and-tube wiring and unpermitted additions. If a repair condition comes back, we know which lenders will close with an escrow holdback instead of forcing the work before closing.

First-time buyers have real help here

Colorado Housing and Finance Authority (CHFA) loans, the Boulder County Down Payment Assistance program and the City of Boulder's permanently affordable homes all work in this market, but each carries resale or income rules that the lender has to accept. We originate CHFA directly and have closed on permanently affordable units.

Self-employed, startup and university income

Boulder's buyers are heavy on founders, contractors, researchers and people paid partly in equity. We qualify restricted stock and bonus income under agency rules where it is allowed, and use bank statement loans when tax returns understate real cash flow.

Floodplain and wildfire

Neighborhoods along Boulder Creek, South Boulder Creek and Fourmile Canyon Creek include FEMA special flood hazard areas, and a lender will require flood insurance there. East Boulder County is still rebuilding from the 2021 Marshall Fire, which raised insurance premiums across Louisville, Superior and Lafayette. We factor both into your debt-to-income calculation before you write an offer.

Boulder neighborhoods

Chautauqua

Historic district at the base of the Flatirons with trail access.

North Boulder

Eclectic neighborhood with mountain views and modern homes.

South Boulder

Family-friendly area with easy access to open space trails.

Boulder mortgage questions

Still have questions?

Ask Andrew directly — no call center.

(303) 549-5277

Loan programs

Buying or refinancing in Boulder?

Get pre-approved online, or call Andrew. He has 30+ years of experience financing Colorado homes.