Westminster First-Time Home Buyers: A Realtor's Guide

Can a first-time buyer afford Westminster?

Yes, though the budget runs tighter than in Thornton, and most entry-price homes are condos and townhomes. First-time home buyers in Westminster had 146 homes listed at $500,000 or less on November 6, 2026, out of 311 for sale, and 265 at $700,000 or less. In the 12 months to Oct 30, 2026, 366 of 920 Westminster sales closed at $500,000 or less (40%). 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 Westminster 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.

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

What first-time buyers find in Westminster today

Of the 366 sales at $500,000 or less, the median size was 1,417 square feet. They closed at a median 100.0% of the last list price, and 163 (45%) sold below list, so there is room to negotiate on many entry-price homes. Three-bedroom homes sold at a median of $532,500 (336 sales). Today’s Westminster supply by type: 199 houses, 55 townhomes and 52 condos.

Where a first budget fits in Westminster

Westminster is a city that sits in two counties, Adams County to the east and Jefferson County to the west, along US-36 between Denver and Boulder. Its new downtown, Downtown Westminster, is being built on the old Westminster Mall site near 88th Avenue and Sheridan Boulevard; older neighborhoods sit south of US-36 and newer ones north toward Broomfield.

• Transit: RTD’s B Line commuter rail runs from Union Station to Westminster Station near 71st Avenue and Federal Boulevard, and US-36 bus rapid transit stops at Westminster Center and Church Ranch on the way to Boulder.
• Entry price: under $500,000 most listings are condos and townhomes, with some older detached houses south of US-36.

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

The monthly costs first-time buyers forget in Westminster

• HOA dues: the median monthly HOA on today’s Westminster listings at $500,000 or less that show a fee (66) is $394. Read what it covers: water, trash, exterior insurance and snow removal are common in condos.
• Two counties: Adams County and Jefferson County set different mill levies, so two similar Westminster homes can carry different property tax bills. Ask for the last tax bill.
• Metro districts: some newer neighborhoods on the north side pay a metro district mill levy on top of the HOA. Ask for the levy before you offer.
• 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 Westminster real estate statistics, then build the payment with the Colorado mortgage calculator and today’s Colorado mortgage rates.

Down payment help for Westminster 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 Westminster 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 Westminster 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.

Disclosure: This Westminster 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 Westminster 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. Westminster listing counts and prices come from the MLS on November 6, 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.