Colorado continues to attract new residents with its stunning natural beauty, outdoor recreation opportunities, and growing economy. Whether you’re considering a move to the Centennial State or looking to relocate within Colorado, this guide highlights the top five places to call home in 2025.
At Defy Mortgage, we’re bringing new energy to the lending landscape. We know traditional approaches don’t always work for today’s unique borrowers. We’re passionate about helping everyone – whether they’re self-employed, a real estate investor, or looking for more conventional options, we can help a variety of borrowers.
1. Colorado Springs
Colorado Springs offers an exceptional blend of urban amenities and natural beauty. With Pikes Peak as its backdrop (the inspiration for “America the Beautiful”), this city combines colorful landscapes with metropolitan conveniences while maintaining a small-town feel.
Quick Stats:
- Population: 488,664
- Median Home Price: $456,886
- Median Household Income: $83,198
- Overall Score: 9/10
Colorado Springs features distinctive areas including the bustling downtown, the elegant south side defined by Cheyenne Cañon and the historic Broadmoor hotel, and the west side filled with eateries and shops. The city is known for its strong sense of community where “people regularly stop to say hello to someone they know at their neighborhood brewery or grocery store.”
Its price-to-income ratio is among the best in Colorado, making it one of the most accessible markets available.
Home to the U.S. Olympic and Paralympic Training Centers and Museum, Colorado Springs offers abundant opportunities for outdoor recreation with numerous trails at Red Rock Canyon Open Space, North Cheyenne Cañon Park, and Palmer Park. After a day of exploration, locals enjoy relaxing at one of the city’s two dozen breweries.
2. Denver
As Colorado’s capital and largest city, Denver combines urban sophistication with proximity to outdoor adventure.
Quick Stats:
- Population: 716,577
- Median Home Price: $558,433
- Median Household Income: $91,681
- Overall Score: 8/10
Founded during the gold rush, Denver has evolved from its Wild West origins into a progressive, fitness-focused community. While not actually in the mountains (it takes about an hour to reach the Rockies), Denver offers 5,000+ acres of parks, trails, golf courses, and playgrounds within the city limits.
Denver’s neighborhoods are often built around and named after beloved green spaces like Washington Park, City Park, and Cheesman Park. The city boasts a thriving arts scene, vibrant music culture, and approximately 150 breweries that host the annual Great American Beer Festival.
With its diverse population, robust public transportation including light rail, and growing economy, Denver continues to attract newcomers despite rising housing costs.
3. Fort Collins
Once overshadowed by Denver and Boulder, Fort Collins has emerged as a desirable destination for those seeking a smaller city with abundant amenities.
Quick Stats:
- Population: 170,376
- Median Home Price: $560,957
- Median Household Income: $83,598
- Overall Score: 7.9/10
Home to Colorado State University, Fort Collins has evolved beyond its college town roots while maintaining a vibrant, youthful energy. The city has gained national recognition for its craft beer scene, hosting established breweries like New Belgium Brewing Co. alongside innovative newcomers.
Fort Collins offers extensive outdoor recreation opportunities with Rocky Mountain National Park just over an hour away. The charming Old Town area (rumored to be the inspiration for Disneyland’s Main Street, U.S.A.) features multiple music venues, bars, and shopping options.
Many residents appreciate the Fort Collins lifestyle where “it’s not uncommon to see locals at the trailhead in the morning for a hike, run or bike ride, and then on a brewery patio with friends later that night.”
4. Boulder
Nestled against the foothills where the Great Plains meet the Rocky Mountains, Boulder combines natural beauty with a progressive, wellness-focused community.
Quick Stats:
- Population: 105,898
- Median Home Price: $995,000
- Median Household Income: $85,364
- Overall Score: 7.5/10
Boulder offers exceptional access to nature with over 45,000 acres of public land, 60+ parks, and 155 miles of hiking trails. This city attracts outdoor enthusiasts, tech professionals, and students attending the University of Colorado Boulder, the state’s flagship university.
Downtown Boulder centers around the pedestrian-friendly Pearl Street Mall, with shops, restaurants, and street performers creating a perpetually lively atmosphere. The Boulder County Farmers Market provides a popular gathering spot twice weekly during warmer months.
Though living in “the Boulder bubble” comes at a premium price due to limited housing development and high demand, residents enjoy an exceptional quality of life with extensive bike paths, reliable public transportation, and a highly educated community where nearly 60% of residents hold bachelor’s degrees or higher.
5. Castle Rock
Located between Denver and Colorado Springs, Castle Rock offers a perfect balance of small-town charm and big-city access.
Quick Stats:
- Population: 81,415
- Median Home Price: $660,000
- Median Household Income: $92,470
- Overall Score: 7.5/10
As the county seat of Douglas County — one of the wealthiest counties in the United States — Castle Rock enjoys strong economic fundamentals. The town is experiencing significant growth while maintaining its distinctive character, highlighted by the eponymous rock formation created by volcanic activity 37 million years ago.
Castle Rock is developing a vibrant cultural scene with “bold, colorful murals popping up everywhere” and events like Downtown Castle Rock Restaurant Week, celebrating local cuisine. Its location at the junction of Interstate 25 and Highway 86 provides easy access to both Denver and Colorado Springs while offering a less congested lifestyle.
Colorado Living: What to Consider
When evaluating these top Colorado locations, consider these key factors:
Cost of Living: Housing costs vary significantly, from Colorado Springs (median home price: $394,553) to Boulder (median home price: $854,424). However, Colorado offers some of the lowest property tax rates in the nation.
Climate: Colorado enjoys abundant sunshine year-round, though weather can change rapidly. Winter conditions vary by location and elevation, with many areas experiencing sunshine and quick-melting snow rather than persistent cold.
Transportation: While most residents own vehicles, many Colorado cities have invested in bike paths, pedestrian areas, and public transportation. Denver’s RTD light rail system connects the metro area and reaches the Denver International Airport.
Lifestyle: Colorado cities share a common appreciation for outdoor recreation, craft beer, and community engagement while offering distinct cultural experiences and amenities.
Frequently Asked Questions
What’s the best place to purchase investment property in Colorado?
One of the best places to purchase investment property in Colorado is in the outskirts of the Denver metro. Cities that are 20-30 minutes out from the city center still benefit from the proximity to Denver while having more affordable prices. Think Aurora, Littleton, and Centennial.
What makes Colorado housing markets unique?
Colorado’s diverse markets range from urban condos to mountain retreats. Cities like Boulder and Denver have competitive markets with rapid appreciation, while areas like Colorado Springs offer more affordable options with strong amenities. Each region has its own character and price point, making it essential to work with partners who understand these local differences.
How does elevation affect living in Colorado?
Elevation varies significantly across Colorado’s cities – from Denver (5,280 ft) to Castle Rock (6,224 ft) to Boulder’s mountainous surroundings. Higher elevations mean more intense sun exposure, drier air, and sometimes more dramatic weather patterns. Many new residents find they need time to adjust to the altitude, especially when engaging in outdoor activities.
What should I know about Colorado’s weather before moving?
Colorado enjoys abundant sunshine year-round, with most areas seeing over 300 days of sun annually. Winters are generally milder than many expect, with snow often melting quickly in populated areas. Weather can change rapidly, especially in spring when the state occasionally experiences quick shifts between warm days and snowfall.
What recreation opportunities are available near these cities?
Each Colorado city offers unique outdoor experiences: Colorado Springs has Garden of the Gods and Pikes Peak; Boulder boasts over 155 miles of hiking trails; Fort Collins provides easy access to Rocky Mountain National Park; Denver features 5,000+ acres of city parks; and Castle Rock offers beautiful open spaces. Additionally, world-class ski resorts are within driving distance of each location.
Are there any special considerations for buying a home in Colorado?
Colorado’s housing market can be competitive, especially in high-demand areas like Boulder and Denver. Working with a lender familiar with local market conditions can help streamline your purchase process. At Defy Mortgage, we understand Colorado’s unique real estate landscape and offer personalized solutions to help you successfully navigate the market.
Conclusion: Top 5 Best Places to Live in Colorado in 2025
As you consider your move to Colorado, partnering with a knowledgeable mortgage lender can help you navigate the competitive housing market. Defy Mortgage specializes in creating personalized lending solutions for Colorado’s unique real estate landscape.
We take a full 360-degree look at your unique finances, goals, and background to craft mortgage options that actually fit your lifestyle. With over 100 years of combined industry experience, our team provides a secure, streamlined, and personalized lending experience. Our goal is simple: to make your Colorado home purchase as smooth as possible while offering mortgage solutions that defy the traditional one-size-fits-all approach.
Whether you’re drawn to the Olympic city vibe of Colorado Springs, the urban energy of Denver, the college-town atmosphere of Fort Collins, the wellness focus of Boulder, or the growing charm of Castle Rock, Colorado offers diverse communities to call home in 2025.
