Mortgage Rates in Security-Widefield, Colorado — March 2026
Updated March 2026 | Based on Security-Widefield market data and regional lending conditions
Security-Widefield is a growing city in Colorado with a population of 38,639. The current 30-year fixed mortgage rate in Security-Widefield is 6.76%, which is 0.11% above the national average. With a median home price of $522,000 and a 20% down payment of $104,400, homebuyers can expect a monthly principal and interest payment of approximately $2,711.
Current Mortgage Rates in Security-Widefield, CO
Below are the current average mortgage rates available in the Security-Widefield 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 | 6.76% | 6.65% | +0.11% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7.01% | 6.85% | +0.16% |
Security-Widefield Housing Market Overview
The Security-Widefield housing market is competitive with prices well above the national median. The median household income in Security-Widefield is $72,900, and the cost of living index is 96.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $125,529 to comfortably afford the median-priced home in Security-Widefield, which exceeds the current median household income.
Monthly Payment Breakdown for Security-Widefield
Based on the median home price of $522,000 with 20% down ($104,400), here is what you can expect to pay monthly in Security-Widefield:
15-Year vs. 30-Year Mortgage in Security-Widefield
Choosing a 15-year mortgage in Security-Widefield at 5.99% instead of a 30-year at 6.76% would save you $342,000 in total interest over the life of the loan. However, your monthly payment would be $3,522 instead of $2,711 — an increase of $811 per month.
Calculate Your Security-Widefield 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 Security-Widefield
What are the current mortgage rates in Security-Widefield, CO?
As of March 2026, the average 30-year fixed mortgage rate in Security-Widefield, Colorado is 6.76%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.11% above the national average of 6.65%.
How much is a monthly mortgage payment in Security-Widefield?
Based on the median home price of $522,000 with 20% down, the estimated monthly mortgage payment in Security-Widefield is $2,711 for principal and interest. Including property taxes of $218/month, the total monthly housing cost is approximately $2,929.
What income do I need to buy a home in Security-Widefield?
Using the 28% rule, you would need an annual income of approximately $125,529 to afford the median-priced home in Security-Widefield at $522,000. The median household income in Security-Widefield is $72,900. This means most households would need to either earn above the median or consider homes below $522,000.
Is Security-Widefield a good place to buy a home in 2026?
Security-Widefield offers a below-average cost of living with a cost of living index of 96.9 (national average = 100). The property tax rate in Colorado is 0.5%, which is below the national average. Security-Widefield has a population of 38,639 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 Security-Widefield, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.