Mortgage Rates in Rangely, Colorado — April 2026
Updated April 2026 | Based on Rangely market data and regional lending conditions
Rangely is a smaller Colorado community of 22,459 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.63% (0.02% below the national average). The median home price of $500,000 translates to roughly $2,746/month with 20% down — requiring an income of about $117,686, which exceeds the local median of $78,500.
Current Mortgage Rates in Rangely, CO
Below are the current average mortgage rates available in the Rangely area as of April 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 | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Rangely Housing Market Overview
Housing in Rangely sits near the national average at $500,000. With a median household income of $78,500 and a cost of living index of 109.5, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Rangely
Based on the median home price of $500,000 with 20% down ($100,000), here is what you can expect to pay monthly in Rangely:
15-Year vs. 30-Year Mortgage in Rangely
Choosing a 15-year mortgage in Rangely at 5.89% instead of a 30-year at 6.63% would save you $319,320 in total interest over the life of the loan. However, your monthly payment would be $3,352 instead of $2,563 — an increase of $789 per month.
Calculate Your Rangely 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 Rangely
What are the current mortgage rates in Rangely, CO?
As of April 2026, the average 30-year fixed mortgage rate in Rangely, Colorado is 6.63%, while the 15-year fixed rate is 5.89%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Rangely?
Based on the median home price of $500,000 with 20% down, the estimated monthly mortgage payment in Rangely is $2,563 for principal and interest. Including property taxes of $183/month, the total monthly housing cost is approximately $2,746.
What income do I need to buy a home in Rangely?
Using the 28% rule, you would need an annual income of approximately $117,686 to afford the median-priced home in Rangely at $500,000. The median household income in Rangely is $78,500. This means most households would need to either earn above the median or consider homes below $500,000.
Is Rangely a good place to buy a home in 2026?
Rangely has a moderate cost of living with a cost of living index of 109.5 (national average = 100). The property tax rate in Colorado is 0.44%, which is below the national average. Rangely has a population of 22,459 and offers a balanced lifestyle.
Mortgage Rates in Other Colorado Cities
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Last updated: April 2026. Rates are approximate averages based on regional lending data for the Rangely, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.