$359,900
Active
3
Beds
3
Baths
1460
Sqft
0.02
Acres
1475 Bergen Rock St, Castle Rock, CO 80109
MLS#: 8025934
Castle Rock Realtors · first-time buyers
Castle Rock First-Time Home Buyers: A Realtor's Guide
First-time buyers in Castle Rock, CO: 71 homes listed at $500K or less today, where entry-price homes sell, metro districts and CHFA help.
Can a first-time buyer afford Castle Rock?
Yes, with a plan: the entry price here is a townhome or condo, and the first detached houses start a little higher. First-time home buyers in Castle Rock had 71 homes listed at $500,000 or less on November 4, 2026, out of 523 for sale, and 115 at $550,000 or less. In the 12 months to Nov 3, 2026, 211 of 1,531 Castle Rock sales closed at $550,000 or less (14%). REALTOR® Brian Lee Burke, the hardest working man in real estate, and our team of real estate agents at The Kenna Group at Keller Williams DTC wrote this Castle Rock Realtor guide from today’s MLS numbers. Call or text 303-955-4220. A live person answers.
Castle Rock Realtors & real estate agents · Best first-time home buyer Realtors in Denver · CHFA down payment assistance
Short answer
What does a first home cost in Castle Rock?
On Nov 4, 2026, 50 of the 71 Castle Rock listings at $500,000 or less were townhomes or condos and 20 were houses. Homes with two bedrooms or fewer sold at a median of $594,450 over the past 12 months, and three-bedroom homes at $606,500.
What first-time buyers find in Castle Rock today
71
listed at $500K or less, Nov 4, 2026
115
listed at $550K or less
$594,450
median sale, 2 bedrooms or fewer (78 sales)
$715,000
median sale, all Castle Rock homes, 12 months
Of the 211 sales at $550,000 or less, the median size was 1,682 square feet. They closed at a median 100.0% of the last list price, and 92 (44%) sold below list. Today’s supply by type: 457 houses, 33 townhomes and 32 condos.
Castle Rock homes for sale at $500,000 or less, updated daily
65 Properties Found
Sort By:
Castle Rock homes for sale at $500,000 or less, updated daily Market Stats
65
Homes Listed
92
Avg. Days on Site
$280
Avg. $ / Sq.Ft.
$393,745
Med. List Price
Where Castle Rock prices start, by ZIP
| ZIP | Sales, 12 months | Median sale | Sold at $550K or less |
|---|---|---|---|
| 80104 | 649 | $650,000 | 130 |
| 80109 | 439 | $665,000 | 81 |
| 80108 | 443 | $895,000 | 0 |
MLS closed sales in Castle Rock, Nov 4, 2025 to Nov 3, 2026; ZIPs with 40+ sales, lowest median first.
Castle Rock is a town, the Town of Castle Rock, and the Douglas County seat, about 30 miles south of downtown Denver on I-25. There is no light rail; most buyers drive I-25 north to the Denver Tech Center or downtown, so price the commute with the house.
The monthly costs first-time buyers forget in Castle Rock
- HOA dues: the median monthly HOA on today’s Castle Rock listings at $500,000 or less (the first 71 the MLS returned) is $353.
- Metro districts: many newer Castle Rock neighborhoods pay a metro district mill levy on top of the HOA to repay the roads and pipes built for them. It shows up in the property tax bill; ask for the levy before you offer.
- Water: homes inside town limits get water from Castle Rock Water, the town utility; some neighborhoods outside town limits use their own water district. Ask for a recent bill.
- Insurance: hail deductibles on many Colorado policies start at 1% to 2% of the home’s value; condo buyers add an HO-6 policy.
See Castle Rock real estate statistics, then build the payment with the Colorado mortgage calculator and today’s Colorado mortgage rates.
Down payment help for Castle Rock buyers
Most down payment assistance programs we work with start at a 620 credit score. Between 580 and 619, you’ll usually need your own down payment. Under 580, start with credit help first.
| Program | What you get | Minimum credit score | Income limit |
|---|---|---|---|
| CHFA (Colorado Housing and Finance Authority) | A grant of up to 3% of the first mortgage, or a second mortgage of up to 4%, capped at $25,000; $1,000 of your own money in the deal; homebuyer education | 620 | $178,920 statewide (CHFA income limits effective Nov 2, 2026) |
| $1,000 cash-to-close path | The ways our buyers have closed with about $1,000 of their own money, program by program | Varies by program | Varies by program |
Under 580, or not sure of your score: start with our Kenna Credit Care program. Many of our buyers use Mike Oswald at Rate and trust him. We are not affiliated, you can use any lender you choose, and we receive nothing for the introduction.
Why first-time buyers pick our Castle Rock Realtors and real estate agents
5.0
stars on 283 Google reviews
A+
Better Business Bureau, accredited since 2017
2003
Brian Lee Burke licensed in Colorado since
306
homes Brian sold in 10 years, $117 million
Newer Castle Rock homes come with metro district disclosures, builder warranties and HOA documents that a first-time buyer has never read. REALTOR® Brian Lee Burke and our team of real estate agents read them with you, and Brian’s 25 years in construction help on the inspection. Keller Williams Realty DTC, LLC supervises every contract.
What to watch out for buying your first home in Castle Rock
- Ask for the metro district mill levy and any debt it still owes; two similar homes can have very different tax bills.
- Read the HOA budget, the reserve study and the rules on parking, rentals and exterior changes.
- On a townhome, confirm who insures and repairs the roof and siding: the HOA or you.
- Check the water provider for the address and the monthly cost; it is not the same across every neighborhood.
- Drive the I-25 commute at rush hour before you offer.
Castle Rock first-time buyer questions
Can a first-time buyer afford Castle Rock?
Yes, at the townhome and condo end: 71 Castle Rock homes were listed at $500,000 or less on Nov 4, 2026, 50 of them townhomes or condos.
What do first homes in Castle Rock sell for?
Two-bedroom homes sold at a median of $594,450 and three-bedroom homes at $606,500 over the 12 months to Nov 3, 2026.
Can I use CHFA down payment assistance in Castle Rock?
Yes. CHFA has no purchase price limit; its income limit is $178,920 and you need a 620 credit score and $1,000 of your own money.
What is a metro district in Castle Rock?
A special district that built roads, water lines and parks in a newer neighborhood and repays the cost through a mill levy on your property tax bill.
Is there light rail to Castle Rock?
No. Most buyers drive I-25 to the Denver Tech Center or downtown Denver.
Do I need a Realtor to buy my first home in Castle Rock?
It helps with the metro district, HOA and builder paperwork. REALTOR Brian Lee Burke and our team of real estate agents read all of it with you and explain the buyer agency agreement before you tour.
What is the difference between a Realtor and a real estate agent?
Every agent who helps you buy or sell in Colorado holds a state real estate license. A REALTOR is a licensed agent who also belongs to the National Association of REALTORS and follows its Code of Ethics. In The Kenna Group, Brian Lee Burke is a REALTOR; the others are licensed real estate agents at Keller Williams DTC.
Castle Rock pages
- Castle Rock homes for sale
- Castle Rock Realtors & real estate agents
- Castle Rock townhomes
- Castle Rock condos
- Castle Rock real estate statistics
- Moving to Castle Rock
- Castle Rock new construction
- Highlands Ranch first-time buyers
- Denver metro first-time buyer neighborhoods
- Best real estate team in Colorado
- The hardest working man in real estate
Want new Castle Rock townhomes and starter homes the day they list?
Tell us your budget. A Kenna real estate agent sets the alert and checks the metro district before you offer.
Talk to a Castle Rock Realtor
Why people call us: 5.0 stars on 283 Google reviews (checked October 2026), A+ with the Better Business Bureau (accredited since 2017), REALTOR® Brian Lee Burke licensed in Colorado since 2003, 306 homes Brian sold in the last 10 years ($117 million) and 1,000+ homes with his team over 20+ years, with Keller Williams Realty DTC, LLC supervising every contract. See Brian’s sold homes, our proof as a group and the team.
Call or text 303-955-4220. A live person answers.
The Kenna Group is a real estate group with Keller Williams Realty DTC, LLC (Keller Williams DTC), 6300 S Syracuse Way, Suite 150, Centennial, CO 80111, formerly known as Kenna Real Estate Group, serving Denver metro home buyers and sellers.
Disclaimer: We are real estate agents, not loan officers, tax advisers or attorneys. Program rules, income limits and credit minimums change, and each lender adds its own rules; a licensed lender confirms what you qualify for and a tax professional answers tax questions. Listing counts and prices come from the MLS on November 4, 2026 (Active and Coming Soon) and change daily; sold figures come from MLS closed sales for the dates shown. Equal Housing Opportunity.
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