Mortgage Rates in Ken Caryl, Colorado — March 2026
Updated March 2026 | Based on Ken Caryl market data and regional lending conditions
Ken Caryl is a growing city in Colorado with a population of 33,689. The current 30-year fixed mortgage rate in Ken Caryl is 6.62%, which is 0.03% below the national average. With a median home price of $502,000 and a 20% down payment of $100,400, homebuyers can expect a monthly principal and interest payment of approximately $2,570.
Current Mortgage Rates in Ken Caryl, CO
Below are the current average mortgage rates available in the Ken Caryl area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.87% | 6.85% | +0.02% |
Ken Caryl Housing Market Overview
The Ken Caryl housing market is competitive with prices well above the national median. The median household income in Ken Caryl is $61,200, and the cost of living index is 95.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $119,829 to comfortably afford the median-priced home in Ken Caryl, which exceeds the current median household income.
Monthly Payment Breakdown for Ken Caryl
Based on the median home price of $502,000 with 20% down ($100,400), here is what you can expect to pay monthly in Ken Caryl:
15-Year vs. 30-Year Mortgage in Ken Caryl
Choosing a 15-year mortgage in Ken Caryl at 5.89% instead of a 30-year at 6.62% would save you $319,500 in total interest over the life of the loan. However, your monthly payment would be $3,365 instead of $2,570 — an increase of $795 per month.
Calculate Your Ken Caryl Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Ken Caryl
What are the current mortgage rates in Ken Caryl, CO?
As of March 2026, the average 30-year fixed mortgage rate in Ken Caryl, Colorado is 6.62%, while the 15-year fixed rate is 5.89%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Ken Caryl?
Based on the median home price of $502,000 with 20% down, the estimated monthly mortgage payment in Ken Caryl is $2,570 for principal and interest. Including property taxes of $226/month, the total monthly housing cost is approximately $2,796.
What income do I need to buy a home in Ken Caryl?
Using the 28% rule, you would need an annual income of approximately $119,829 to afford the median-priced home in Ken Caryl at $502,000. The median household income in Ken Caryl is $61,200. This means most households would need to either earn above the median or consider homes below $502,000.
Is Ken Caryl a good place to buy a home in 2026?
Ken Caryl offers a below-average cost of living with a cost of living index of 95.3 (national average = 100). The property tax rate in Colorado is 0.54%, which is below the national average. Ken Caryl has a population of 33,689 and offers a balanced lifestyle.
Mortgage Rates in Other Colorado Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Ken Caryl, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.