Fort Collins Basement Homes for Sale

Homes with a basement in Fort Collins: the numbers this week

What $560K buys among homes with a basement in Fort Collins this week: the median home with a basement at 1,951 square feet, $289 a foot. 1,025 in all, $30K to $6.2M; the price bands, bedrooms, ZIP codes, monthly cost and the questions buyers ask are below.

Homes with a basement in Fort Collins by ZIP code

What the median home with a basement in Fort Collins costs per month

About homes with a basement in Fort Collins

The homes with a basement for sale in Fort Collins above are every MLS listing with a basement: finished basements, unfinished basements, walkout basements, garden-level basements and partial basements. Buyers searching basement homes in Fort Collins also search homes with a finished basement, walkout basement homes, homes with a basement apartment, homes with a mother-in-law suite downstairs and homes with a basement bedroom, and this page carries all of them. As of September 28, 2026 this page shows 447 home with a basements for sale in Fort Collins . The count updates the moment a home lists or closes.

Unfinished is the cheapest square footage you will buy in Fort Collins. It appraises low and finishes for $40 to $80 a square foot, which is less than the same space costs upstairs.

Walkout basements open to grade on a sloped lot and bring in light and a second entrance. They carry a premium in Fort Collins and make the best rental or in-law suites.

Garden level sits half above grade with full-size windows. More light than a standard basement, less separation than a walkout.

Egress, radon and water. A basement bedroom needs an egress window. Colorado sits on uranium-rich soil, so we test radon on every basement home in Fort Collins. And we look for the sump pump, the water line on the wall and the smell.

Get pre-approved and know the finished-basement price bump in Fort Collins runs $30,000 to $80,000 on the same floor plan.

Tour with a Kenna agent, 7 days a week. We open the mechanical room, check the egress windows and ask for the permit history.

Inspect the basement hard. Radon test, sewer scope, foundation walls, sump pump and the grading outside. Expansive Front Range soils move basements.

Questions people ask about homes with a basement in Fort Collins

How many homes with a basement are for sale in Fort Collins right now?

1,025 this week, $30K to $6.2M, median $560K. The grid at the top of this page is the live MLS list and refreshes daily.

What should I check before making an offer on home with a basement in Fort Collins?

The price per square foot against the other listings on this page ($289 is the median), the days on market, the HOA or metro district if there is one, the sewer line and roof age on older homes, and whether the seller pays a closing-cost credit or a rate buydown. More: Seller concessions for Colorado buyers.

What is the median price of homes with a basement in Fort Collins?

$560K at list this week, for a median 1,951 square feet, $289 a square foot. Compare two on the per-foot number and the condition before the list price. More: Can I afford a home now?.

What does the median home with a basement in Fort Collins cost per month?

About $4,180 a month on the median $560K home with a basement with 5 percent down at a 7 percent note rate: $3,539 principal and interest, $257 property tax, $163 insurance, $222 mortgage insurance. A seller-paid 2-1 buydown cuts year one by $684. More: Can I afford a home now?.

How big are the homes with a basement in Fort Collins?

576 to 7,184 square feet across this week's sample, 3 beds most common. Price per square foot runs $289 at the median.

Can I buy homes with a basement in Fort Collins with a low down payment?

Yes. Colorado down-payment assistance works at a 620 credit score, FHA takes 3.5 percent down, VA zero where the buyer qualifies, and a seller credit covers closing costs. On the median $560K home with a basement that is $19,597 down at 3.5 percent. More: Can I afford a home now?.

Does a finished basement count in the square footage?

Appraisers count it separately as below-grade square footage and value it at less per foot than the main floor. The MLS lists total and finished square feet; we show you both on every Fort Collins listing. More: What Colorado Homebuyers Want in a Finished Basement .

Can I rent out a basement in Fort Collins?

A basement with its own entrance, kitchen, egress and a city permit can be rented where Fort Collins zoning allows an accessory unit. We check the zoning and the HOA before you count on the income. More: Rent Out Your Home Instead of Selling in Today's Market – Kenna Real Estate Can Help -.