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7% Mortgage Rate: Only $135 a Month More in Colorado

Oct 6, 2026 • 10 min read

7% Mortgage Rate: Only $135 a Month More in Colorado

Does half a percent on your mortgage rate matter? Not much: about $133 to $135 a month on a $400,000 loan. In Colorado, the monthly payment on a $400,000 house loan is $2,648 at 6.95% and $2,783 at 7.45%. A 7% interest rate is not a bad rate: the payment is $2,661 a month. Should you wait for mortgage rates to drop? Denver and Colorado Springs buyers who wait save $134 a month per half point, and

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7% Mortgage Rate: Only $135 a Month More in Colorado
Oct 6, 2026 10 min read
7% Mortgage Rate: Only $135 a Month More in Colorado

Does half a percent on your mortgage rate matter? Not much: about $133 to $135 a month on a $400,000 loan. In Colorado, the monthly payment on a $400,000 house loan is $2,648 at 6.95% and $2,783 at 7.45%. A 7% interest rate is not a bad rate: the payment is $2,661 a month. Should you wait for mortgage rates to drop? Denver and Colorado Springs buyers who wait save $134 a month per half point, and

Colorado Housing Inventory Is Piling Up: What It Means in 2026
Oct 6, 2026 5 min read
Colorado Housing Inventory Is Piling Up: What It Means in 2026

Why are so many homes for sale in Colorado, and why are they sitting? Colorado housing inventory is piling up because buyers are holding back at a 7.28% mortgage rate. Colorado had 34,488 homes for sale in August, and metro Denver buyers closed 21.39% fewer homes in September than a year earlier. Statewide, homes take 65 days to sell, 8.3% longer than a year ago, from Colorado Springs and Fort Co

Rent or Buy in Colorado at 7% Rates? The 2026 Math
Oct 6, 2026 6 min read
Rent or Buy in Colorado at 7% Rates? The 2026 Math

Is it better to rent or buy a home in Colorado with mortgage rates above 7%? Here is the short answer for October 2026. Renting costs less every month in Denver, Colorado Springs, Greeley and Fort Collins at today's 7.28% rate. Buying a home in Colorado still comes out ahead once you stay 6 to 10 years, and sooner when you buy below list price, get the seller to pay down your rate, or take over a

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