Home Equity in Colorado: How Much Can You Cash Out? (2026)
With Colorado's median value near $545,000 and a typical $300,000 balance, homeowners can access about $163,250 at 85% combined LTV — through a HELOC, a fixed home equity loan, or a cash-out refinance.
Colorado home values have climbed, so your accessible equity may be larger than you expect — up to the 85% CLTV line.
Accessible equity by Colorado county
| County | Est. Value | Equity at 85% CLTV |
|---|---|---|
| El Paso County | $460,000 | $138,000 |
| Denver County | $580,000 | $174,000 |
| Arapahoe County | $510,000 | $152,500 |
| Jefferson County | $610,000 | $182,500 |
| Adams County | $490,000 | $146,500 |
| Douglas County | $680,000 | $204,000 |
| Larimer County | $560,000 | $168,000 |
| Weld County | $470,000 | $140,500 |
| Boulder County | $760,000 | $228,000 |
| Broomfield County | $545,000 | $163,250 |
| Garfield County | $545,000 | $163,250 |
| La Plata County | $545,000 | $163,250 |
| Eagle County | $545,000 | $163,250 |
| Montrose County | $545,000 | $163,250 |
| Delta County | $545,000 | $163,250 |
| Fremont County | $545,000 | $163,250 |
| Logan County | $545,000 | $163,250 |
| Morgan County | $545,000 | $163,250 |
| Summit County | $545,000 | $163,250 |
| Routt County | $545,000 | $163,250 |
| Montezuma County | $545,000 | $163,250 |
| Otero County | $545,000 | $163,250 |
| Pueblo County | $310,000 | $92,500 |
| Mesa County | $400,000 | $120,000 |
How to tap equity in Colorado
Start with your numbers: home value minus what you owe, capped at 85% of value. Then pick the tool — a revolving HELOC for flexible access, a fixed home equity loan for a lump sum, or a cash-out refinance if a new first-mortgage rate beats your current one. Compare two or three lenders, since margins and fees vary.
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Frequently Asked Questions
- How much home equity can I tap in Colorado?
- On a $545,000 home with a $300,000 balance, about $163,250 at 85% CLTV. Your exact limit depends on the lender, your credit, and the appraisal.
- Is a HELOC or cash-out better in Colorado?
- If your first mortgage rate is low, a HELOC or home equity loan is usually cheaper because it keeps that rate. A cash-out refinance only wins when today's rate beats your current one.