Market Overview
Home Prices in Commerce City, CO
The median home value in Commerce City, CO is $489,357 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 4% compared to a year ago and down 2.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Commerce City are priced19% above average. Commerce City is part of the Denver-Aurora-Lakewood, CO metro area.
Over the past five years, Commerce City home values have risen by approximately6.0%, reflecting steady appreciation in this market.
Price History
Commerce City Home Price Trend
City Comparison
Commerce City vs. National Median
At $489,357, homes in Commerce City cost 19% above the national median of $410,000. Buyers in Commerce City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Commerce City?
20% Down Payment
$97,871
on $489,357
Monthly P&I
$2,552/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,241/mo
incl. taxes & insurance
Income Needed
$129,640
gross annual (30% rule)
10% Down Option
$48,936
+ PMI applies
Loan Amount (20% dn)
$391,486
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Commerce City, CO?
The median home value in Commerce City is $489,357 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 4% year-over-year.
How much have home prices changed in Commerce City?
Over the past year, home values in Commerce City have decreased by 4%. Over five years, prices have risen approximately 6.0%.
How much do I need to earn to buy a home in Commerce City?
To comfortably afford the median home price of $489,357 with a 20% down payment ($97,871) at today's rates (6.8%), you'd need a gross annual income of approximately $129,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Commerce City compare to the national average home price?
The national median home value is approximately $410,000. At $489,357, homes in Commerce City are 19% above the national average.
What metro area is Commerce City part of?
Commerce City is part of the Denver-Aurora-Lakewood, CO metropolitan area. Home prices and market conditions can vary across the broader metro region.