Market Overview
Home Prices in Silver Cliff, CO
The median home value in Silver Cliff, CO is $322,595 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.1% compared to a year ago and up 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Silver Cliff are priced21% below average.
Over the past five years, Silver Cliff home values have risen by approximately22.1%, reflecting strong long-term appreciation in this market.
Price History
Silver Cliff Home Price Trend
2020
$225,268
$225K
—
2021
$264,186
$264K
+17.3%
2022
$320,047
$320K
+21.1%
2023
$320,522
$321K
+0.1%
2024
$328,571
$329K
+2.5%
2025
$332,887
$333K
+1.3%
2026
$322,595
$323K
-3.1%
City Comparison
Silver Cliff vs. National Median
🏠 Silver Cliff
$322,595
National Median
$410,000
At $322,595, homes in Silver Cliff cost 21% below the national median of $410,000. This makes Silver Cliff a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Silver Cliff?
20% Down Payment
$64,519
on $322,595
Monthly P&I
$1,682/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,136/mo
incl. taxes & insurance
Income Needed
$85,440
gross annual (30% rule)
10% Down Option
$32,260
+ PMI applies
Loan Amount (20% dn)
$258,076
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 Silver Cliff, CO?
The median home value in Silver Cliff is $322,595 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.1% year-over-year.
How much have home prices changed in Silver Cliff?
Over the past year, home values in Silver Cliff have decreased by 3.1%. Over five years, prices have risen approximately 22.1%.
How much do I need to earn to buy a home in Silver Cliff?
To comfortably afford the median home price of $322,595 with a 20% down payment ($64,519) at today's rates (6.8%), you'd need a gross annual income of approximately $85,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Silver Cliff compare to the national average home price?
The national median home value is approximately $410,000. At $322,595, homes in Silver Cliff are 21% below the national average.