Commerce City First-Time Home Buyers: A Realtor's Guide

Can a first-time buyer afford Commerce City?

Yes. In Commerce City most entry-price listings are detached houses, not condos: 122 houses were listed at $500,000 or less on Nov 8, 2026. First-time home buyers in Commerce City had 155 homes listed at $500,000 or less on November 8, 2026, out of 323 for sale, and 290 at $700,000 or less. In the 12 months to Oct 30, 2026, 594 of 1,097 Commerce City sales closed at $500,000 or less (54%). 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 Commerce City Realtor guide from today’s MLS numbers, so you know what a first budget buys before you tour. Call or text 303-955-4220. A live person answers.

Commerce City Realtors & real estate agents · Best first-time home buyer Realtors in Denver · CHFA down payment assistance

What first-time buyers find in Commerce City today

Of the 594 sales at $500,000 or less, the median size was 1,531 square feet. They closed at a median 100.0% of the last list price, and 188 (32%) sold below list, so there is room to negotiate on many entry-price homes. Three-bedroom homes sold at a median of $464,900 (517 sales). Today’s Commerce City supply by type: 290 houses, 8 townhomes and 22 condos.

Where a first budget fits in Commerce City

Commerce City is a city in Adams County, northeast of Denver between I-270, I-76 and E-470, next to the Rocky Mountain Arsenal National Wildlife Refuge. The older part of the city south of 72nd Avenue holds most of the smaller ranch houses and older homes; the newer planned neighborhoods to the north, such as Reunion, Buffalo Run and Second Creek Farm, cost more and usually carry metro district taxes.

• Commuter rail: RTD’s N Line stops at Commerce City·72nd on the way between Denver Union Station and Thornton.
• Entry price: under $500,000 you will see townhomes, older detached houses and some newer homes on the north side; if you are looking for starter homes near me in the northeast metro, compare Commerce City with Thornton and Brighton.

MLS closed sales in Commerce City, 12 months to Oct 30, 2026; ZIPs with 30+ sales, lowest median first.

The monthly costs first-time buyers forget in Commerce City

• HOA dues: the median monthly HOA on today’s Commerce City listings at $500,000 or less that show a fee (64) is $65. Read what it covers: water, trash, exterior insurance and snow removal are common in condos.
• Metro districts: most neighborhoods north of 96th Avenue, including Reunion, Buffalo Run and Second Creek Farm, pay a metro district mill levy on top of the HOA; it shows up in the property tax bill. Ask for the levy before you offer.
• Tolls: E-470 on the north and east side is a toll road; add the tolls to the budget if you will drive it daily.
• Insurance: hail deductibles on many Colorado policies start at 1% to 2% of the home’s value; condo buyers add an HO-6 policy for the inside of the unit.

See Commerce City real estate statistics, then build the payment with the Colorado mortgage calculator and today’s Colorado mortgage rates.

Down payment help for Commerce City 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.

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 Commerce City Realtors and real estate agents

A first purchase goes wrong in the paperwork, not on the tour: the HOA and metro district disclosures, the condo’s loan approval, the inspection objection and the appraisal. REALTOR® Brian Lee Burke and our team of real estate agents read them with you line by line, and Brian’s 25 years in construction help on the inspection. Keller Williams Realty DTC, LLC supervises every contract.

Talk to a Commerce City Realtor

Why people call us: 5.0 stars on 275 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.

Disclosure: This Commerce City first-time home buyer guide is written by The Kenna Group at Keller Williams DTC (Keller Williams Realty DTC, LLC, the supervising brokerage), a group of Commerce City Realtors and real estate agents led by REALTOR® Brian Lee Burke. We are real estate agents, not loan officers, tax advisers or attorneys. Down payment assistance rules, CHFA income limits, credit score minimums and mortgage rates change, and each lender adds its own rules; a licensed lender confirms what you qualify for and a tax professional answers property tax and metro district questions. Commerce City listing counts and prices come from the MLS on November 8, 2026 (Active and Coming Soon) and change daily; sold figures come from MLS closed sales for the dates shown. Information is deemed reliable but not guaranteed. Equal Housing Opportunity.