Median home value is about $643,400 — about 85% above the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $2,137 (about 84% above the U.S. median rent ($1,163)), and owner-occupancy near 71.5% (about 6.1 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 80129 in Highlands Ranch, CO, a household would need roughly $177,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,133. That is about 29% above the local median household income ($136,915), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.