Living in Commerce City, we see firsthand how HUD homes are changing the game for folks looking to settle near DIA without breaking the bank. These places aren’t just affordable—they fit right into the rhythm of our community, close to parks, schools, and jobs. Whether you’re thinking of moving in or investing, there’s a lot going on here that’s worth knowing about—especially with how the market’s been shifting lately.
Understanding HUD Homes in Commerce City
If you’ve spent any time driving around Commerce City, you’ve probably noticed the patchwork of homes—from tidy, newer subdivisions to sturdy older units and even the occasional mobile home parked along the edge of town.
HUD homes are a familiar part of that mix. These houses aren’t just any prefab or mobile units; they’re built to strict federal standards under Title 24, not just what Colorado requires.
The Colorado Division of Housing keeps a close eye on manufacturers and installations, making certain every home meets federal quality and safety regulations.
We see everything from modulars to tiny houses, each with its own rules for foundations and inspections.
For folks considering a HUD home, it’s reassuring to know local agencies guarantee these homes meet solid standards.
Current Housing Market Trends in Adams County
Lately, you can feel the shift in the Adams County housing market just by chatting with neighbors or walking past the “For Sale” signs that seem to linger a bit longer.
We’ve all noticed how homes aren’t moving as fast—average days on market nearly doubled to 37 this July. Prices have mostly leveled off, with the median home sale price holding steady at $515,000 and just a whisper of growth year-over-year.
Sales volume has dipped, too, with fewer homes changing hands compared to last summer.
What really stands out is the subtle drop in price per square foot, giving buyers a little more breathing room.
Right now, it feels like the market is shifting in favor of buyers, echoing trends across the Denver area.
Foreclosure Listings: What’s Available Now
Right now, foreclosure listings in Commerce City are few and far between—just two official foreclosures are on the market, and even counting auction sites, the number barely reaches double digits.
We’re seeing a tight inventory, with foreclosures representing only a sliver of the 2,282 homes currently for sale. Most bank-owned properties are single-family homes, usually around 1,500 square feet, and the occasional condo pops up too.
The latest listings include a 4-bed, 2-bath on E 66th Way, showing up in the 80022 zip—close to the DIA corridor and tucked into established neighborhoods.
Some foreclosures are sold by online auction, others through the MLS, and most are right here in Adams County, blending quietly into the local housing scene.
Price Ranges and Cost Comparisons
When we look at foreclosure prices in Commerce City—like those 4-bedroom, 2-bath homes around $509,000—they sit pretty close to the city’s median sold price of $512,500.
HUD homes sometimes come in below those numbers, which can make them appealing if we’re watching our budgets.
Let’s compare what we’re really getting for the money, because value isn’t just about the sticker price here.
Foreclosure vs. Median Prices
Although home prices in Commerce City have been steady lately, the gap between foreclosure deals and median values isn’t as dramatic as folks might expect.
Right now, the lowest-priced foreclosure sits just under $487,250—only about four percent less than the city’s median value, which hovers around $510,000. When we look at mid-range foreclosures, they’re almost neck-and-neck with the median, while the highest-end foreclosure jumps to $806,000, well above what most homes here go for.
It’s interesting: price per square foot on foreclosures can swing quite a bit, depending on size and condition. Some smaller homes cost more per foot than you’d guess.
And, honestly, foreclosure listings tend to linger—buyers here take their time, weighing the value against the work many of these homes need.
HUD Homes Value Analysis
If you’ve spent any time poking around the Commerce City housing market—especially the HUD and budget-friendly listings—you’ll notice the price spread is surprisingly wide.
We’ve seen starter homes and fixer-uppers dipping as low as $40K, which is almost unheard of this close to DIA and Denver. Most homes hover around $505K to $525K—pretty competitive compared to the rest of the metro area.
On average, expect $210 to $217 per square foot, whether you’re eyeing a tidy townhome or something with a little more yard.
The market’s balanced: homes sell for about what they’re listed, and they don’t sit around long.
If you’re willing to roll up your sleeves or buy older, you’ll find some real value here—without getting priced out.
Commerce City Location Advantages
Tucked just eight miles north of downtown Denver, Commerce City sits in a sweet spot that locals know is hard to beat. We get the perks of metropolitan Denver—close enough for city energy, far enough for some peace and quiet.
Our streets are lined with mostly single-family homes, and you’ll notice the community feels strong because most of us are homeowners. It’s not all houses, though; over 1,750 companies call Commerce City home, with deep roots in manufacturing and energy. Neighbors work in everything from refineries to creative studios.
We’re spoiled for recreation, too—think panoramic Rocky Mountain views, trails at the Wildlife Refuge, and Saturdays at Dick’s Sporting Goods Park. Here, it’s easy to see why people put down roots and stay.
Proximity to DIA and Transportation Benefits
Another local perk we don’t take for granted is how easy it’s to get to Denver International Airport.
Living in Commerce City, we’re just about 18 miles out—usually a stress-free 21 to 27-minute drive, depending on traffic and the time of day.
If you’d rather skip the car, the A-Line train connects us straight from the 40th & Colorado Station to the airport in under half an hour, running every 15 to 20 minutes, all day.
The day pass is just $10, making it a real bargain compared to a taxi or rideshare.
We’ve also got options like the SkyRide bus, towncars, and taxis, so there’s always a way to catch a flight without scrambling or overspending.
Employment Growth and Rental Demand Near DIA
While a lot of folks think of Denver International Airport as just a place to catch a flight, those of us living around Commerce City see firsthand how much it shapes our local economy—and our housing market.
The airport doesn’t just employ over 40,000 people; it supports nearly a quarter-million jobs across Colorado.
With so many folks working in and around DEN, we’ve watched rental demand skyrocket in nearby neighborhoods. Good-paying aviation jobs—averaging over $77,000—mean people are looking for homes close to work.
And as the airport grows, so does everyone’s need for a place to live. We’ve seen new faces move in every year, driving up competition for rentals and pushing our community to keep pace with this steady demand.
Typical Features of HUD Homes in the Area
If you spend any time walking our neighborhoods, you’ll notice HUD homes here come in all shapes and sizes, but most are built with real families in mind.
We see everything from cozy, compact units under 300 square feet to ranch-style houses with three bedrooms and open kitchens that spill into living rooms—perfect for family gatherings.
You’ll spot both single-family homes and multifamily options, all within easy reach of parks, trails, and local libraries.
The convenience to highways and public transit makes commuting a breeze, whether you’re headed downtown or to the airport.
Some homes need a little fixing up, but that’s part of their appeal—there’s real potential here.
And, true to our city’s spirit, there’s always a strong sense of community.
Navigating the Purchase Process for HUD Properties
Getting started with a HUD home here in Commerce City isn’t as intimidating as it might seem, especially when you’re working with a local agent who knows the ropes.
First, we’ll need to team up with a HUD-approved real estate broker—most folks around here already have that covered. You’ll want to get pre-approved for a mortgage before we do any bidding.
Owner-occupants get the first shot during the opening ten-day period, and your agent will handle all bids online.
Don’t forget, HUD homes are sold “as-is,” so a thorough inspection during the 15-day window is a must.
If you’re serious, earnest money—usually $500 to $2,000—is expected upfront, but it goes toward your purchase at closing.
Investment Potential and Buyer Opportunities
Let’s talk about why so many folks around here see Commerce City HUD homes as a real opportunity.
With foreclosure prices often below market and steady rental demand from airport and logistics workers, there’s a lot to like if you’re thinking about investing or buying your first place.
Right now, buyers have some breathing room to make smart choices, which isn’t something we could always say in this market.
Below-Market Foreclosure Pricing
Though Commerce City’s housing market hasn’t seen wild price swings, there’s a real window right now for savvy buyers and investors to find below-market deals—especially among foreclosures and HUD properties.
We’re seeing homes sitting on the market longer—about 59 days on average—which means sellers are more open to negotiation.
With prices per square foot down over 10% from last year and some homes selling 2–3% below list price, it’s a good time to watch for hidden value.
There’s a wide range of inventory, from $40K fixer-uppers to million-dollar homes, so we can tailor our search to fit almost any budget.
The steady market and low competition make it easier for us to land a deal and build equity early.
Strong Airport Rental Demand
When you live this close to Denver International Airport, you notice the steady hum of travelers coming and going—it’s not just planes overhead, but a constant flow of people looking for a place to stay.
We’ve seen firsthand how this steady influx keeps the local rental market buzzing. Business travelers, airline staff, and families on layovers all want easy access to DIA—and they’d rather avoid pricey airport hotels or downtown commutes.
That’s where Commerce City’s budget-friendly HUD homes come in, offering real opportunity for buyers and investors.
- Higher demand for short-term and mid-term rentals near DIA
- Travelers avoid steep airport parking and rental car fees
- Corporate guests seek extended stays in nearby homes
- Year-round occupancy thanks to constant air traffic
- Lower vacancy rates than downtown luxury rentals
Favorable Buyer Market Trends
With home prices cooling off in Commerce City, we’re seeing opportunities pop up that weren’t around just a year ago.
The median price has dropped about 8–10%, and homes are sitting longer—sometimes over 50 days—giving us real breathing room to evaluate options.
There’s more inventory, and buyers aren’t getting caught up in bidding wars or rushed decisions like before.
Sellers are motivated and there’s more room to negotiate, with many homes closing 2–3% below asking.
For those of us looking to invest or finally buy, it feels like the market’s working in our favor.
Fewer buyers, more homes, and balanced conditions mean we can be choosier.
It’s genuinely a good time to explore HUD homes if you want value and flexibility.
Tips for First-Time Buyers Seeking Affordable Homes
Even as home prices have dipped a bit here in Commerce City over the past year, first-time buyers are finding the doors to affordable homeownership opening wider than they might expect.
With local prices averaging just over $500K and a noticeable 3.1% dip, we’re seeing more room to negotiate and more breathing space during the buying process.
If you’re looking to make your move, let’s use these changing tides to our advantage. Here are a few things we’ve learned from neighbors and personal experience:
- Check out local housing authority programs; they’re designed for first-timers.
- Look for new builds—inventory has grown, and builders are motivated.
- Use the 32-day pending average to your advantage for loan approval.
- Leverage proximity to DIA for commuting or rental potential.
- Negotiate confidently—market trends are on your side.
FAQ
Are Pets Allowed in Commerce City HUD Homes?
Yes, pets are allowed in Commerce City HUD homes, but there are some clear rules.
We can usually have a cat or a dog—sometimes both, but not more than that. You’ll need up-to-date vaccines and licenses, and exotic or dangerous pets aren’t allowed.
Most places ask that pets are well-behaved and don’t disturb neighbors.
If you have an assistance animal, those rules don’t apply—you’re protected under Fair Housing laws.
What Schools Serve HUD Home Neighborhoods in Commerce City?
We’ve got a good mix of schools here.
Kids in HUD home neighborhoods usually go to places like Rose Hill, Reunion, or Polaris Elementary—each with its own vibe and strengths.
For middle and high school, Montbello and DSST: Conservatory Green are popular, and some neighbors choose charter options like Capstone or Landmark.
School buses run through most areas, and families appreciate the support from Hope Family Resource Center for supplies and programs.
Can I Use Down Payment Assistance on HUD Homes?
Yes, we can absolutely use down payment assistance on HUD homes.
Many of us here have tapped into options like metroDPA or CHFA for help with that first big step.
Whether it’s federal programs or something local like HomesFund, these resources are designed for folks like us—especially if we’re first-time buyers.
Just make sure you’re working with an approved lender and double-check the income and credit guidelines before you immerse yourself.
Are There HOA Fees for Commerce City HUD Properties?
It really depends on the property.
Some HUD homes here fall into neighborhoods with HOA fees—these can range anywhere from $96 to almost $200 a month, sometimes more if there are extra amenities.
But we’ve also seen plenty of HUD properties with no HOA at all, especially in older parts of Commerce City.
If avoiding HOA dues matters to you, let’s keep a sharp eye on the listing details when we look together.
Is Flood Insurance Required for HUD Homes in This Area?
Yes, if the HUD home sits in a high-risk flood zone—what the maps call a Special Flood Hazard Area—you’ll need flood insurance to get a loan.
That’s just how it works here, and we’ve got a few pockets near the creeks where it applies. Most homeowners aren’t in those zones, but if you are, expect a separate policy since regular home insurance doesn’t cover flood damage.
It’s definitely something to double-check.
