Property tax by ZIP code in Colorado
Enter a Colorado ZIP and see the median property tax paid, median home value, and effective tax rate from the 2020–2024 American Community Survey — plus how it compares to the Colorado state median.
Look up a Colorado ZIP code
Enter a 5-digit Colorado ZIP code above to see its property tax data.
ZIP doesn't have ACS data — typically because it's a PO-box-only ZIP, a single-business ZIP, or a small area where the Census suppresses small-sample estimates. Try a nearby ZIP.
ZIP isn't a Colorado ZIP code. This page covers Colorado only. Other states are launching state by state — check back, or use our state-by-state median page in the meantime.
Colorado has high home values but one of the lowest effective property-tax rates in the country — around 0.48% of value statewide. The reason is structural: only a small, single-digit fraction of a home's actual value becomes taxable. The county assessor sets your actual value, a low residential assessment rate converts that to an assessed value, and the local mill levy is applied to the assessed value — not the full market price.
Enter a 5-digit Colorado ZIP to see its median property tax, median home value, and effective rate from the US Census American Community Survey 2020–2024 vintage, plus how the ZIP compares to the Colorado state and US national medians. The explainer below covers the assessment formula, the two-year reappraisal cycle, the recent legislative changes to the assessment rate, and the senior and veteran exemptions.
How Colorado property tax works
Colorado computes a bill in three steps: actual value × assessment rate × mill levy. The county assessor sets the actual (market) value, a statutory residential assessment rate turns that into an assessed value, and each local taxing district's mill levy (a mill is $1 per $1,000 of assessed value) is applied to that assessed figure. All real property is reappraised on a two-year cycle, in odd-numbered years, so values reset in 2025, 2027, and so on while the in-between years generally hold.
The residential assessment rate is the lever that keeps Colorado's effective rate low, and it has been the subject of repeated legislation. Voters repealed the long-standing Gallagher Amendment in 2020 (Amendment B, which passed), and the legislature has since reset rates several times — most recently through Senate Bill 24-233 and a 2024 special-session bill, HB24B-1001. The current framework applies a residential assessment rate in roughly the 6.25%–7.15% range depending on whether school-district or other local mill levies are being funded, and for 2026 onward it pairs the rate with a value reduction (the lesser of 10% of actual value or a fixed dollar amount) before the rate is applied. Because the exact percentages are set by statute and adjusted periodically, confirm the current figure with the Division of Property Taxation before relying on it.
It is worth noting what did not happen: Proposition HH, the 2023 ballot measure that would have traded property-tax relief for changes to Colorado's TABOR refunds, was defeated by voters, and the legislature passed stopgap relief instead. On the exemption side, the Senior Property Tax Homestead Exemption exempts 50% of the first $200,000 of actual value for owners 65 or older who have occupied the home for at least ten consecutive years, and a parallel Disabled Veteran Exemption offers the same 50%-of-first-$200,000 break to veterans with a 100% permanent and total service-connected disability and to Gold Star spouses.
Why your actual bill differs
The numbers above describe a typical homeowner in this ZIP — not your specific bill. A few things move bills away from the median:
- Mill levies stack and vary widely. Your total levy is the sum of county, municipal, school, and special-district mills, so two homes of equal value in different districts — especially with different special districts — can carry very different bills.
- Where you are in the two-year cycle. Reappraisals land in odd years; a hot market can lift your actual value sharply at the next reappraisal, even if the assessment rate is trimmed to offset part of it.
- Exemptions. The senior homestead exemption and the disabled-veteran exemption each remove 50% of the first $200,000 of actual value for qualifying owners, pulling their bill below the ZIP median.
Colorado has no single statewide bill lookup — each county treasurer runs its own. Larimer County's property and tax search is a working example; for other counties, start with your county treasurer's office.
Methodology
Data on this page comes from the US Census American Community Survey 5-year estimates, 2020–2024 vintage (released January 29, 2026), at the ZIP Code Tabulation Area (ZCTA) level. After filtering ZCTAs the Census suppresses for privacy or small-sample reasons, this page covers 457 Colorado ZIPs.
Topcoding in Colorado. The Census caps median property tax at $10,000, reporting anything higher as $10,001. Colorado's low assessment rate keeps even high-value ZIPs under the cap, so every ZIP in this dataset shows a true median.
See the full methodology page for source details (Census table IDs, the comparison-median rule, calculator formulas), how we handle topcoding across every state, and the refresh cadence.
Frequently asked questions
Why is the median tax in my ZIP different from what I pay?
Median is the middle of the distribution, not your bill. Colorado applies a low residential assessment rate and then the local mill levy, and both vary by location and year. Your county's two-year reappraisal timing and the senior or disabled-veteran exemption move your bill further from the median.
Why might my ZIP show $10,001 as the median tax?
That's the Census topcode for privacy, but it doesn't appear in Colorado — the state's low assessment rate keeps every ZIP in this dataset below the $10,000 cap, so the figures here are true medians.
Where do I find my actual Colorado property tax bill?
Through your county treasurer. Colorado has no statewide pay-your-bill portal; each of the 64 counties runs its own search and payment. Larimer County's tax search is a working example.
When does Colorado data update on this page?
Annually, when the Census Bureau releases a new ACS 5-year vintage. The 2020–2024 vintage released January 29, 2026. The next vintage (2021–2025) typically follows the next year, though the Census has not yet posted its release date.
Why don't you cover other states yet?
State-by-state rollout. Each state needs its own context section (assessment method, exemptions, local taxing structure) to be genuinely useful. High-search-volume states are going live first.