Mountain-town prices have doubled. Front Range owners often have the equity to play, but DTI is the choke point with high targets and high rates.
Primary home value tracks the state-level Zillow Home Value Index for late 2025. Median household income is from the most recent BLS state estimates. The typical second-home target is the local market that draws the most second-home demand: mountain cabin or ski-town condo for Colorado. Mortgage balance is set at roughly half of home value, the rough mid-tenure point. Edit anything once you load the calculator.
Most people guess wrong about how their state's market shapes the verdict. Seeing the typical CO household first gives you a baseline: are you ahead of it, behind it, or right on it?