Starter Homes

Starter Homes for First-Time Buyers in Northern Colorado

Your first home doesn't have to be your forever home. These listings show every single-family home, condo and townhome under $450,000 in Northern Colorado updated daily from the MLS. A smaller first home is often the fastest way to stop renting and start building equity.

Not sure how much you can afford, or whether you qualify for down payment assistance? Read our first-time home buyer down payment guide, or contact the New Horizons Team for a free plan built around your budget.

Starter Homes, Condos and Townhomes Under $450,000

5775 29th St Unit 605, Greeley
$290,000
2 Beds ⋅ 2 Baths ⋅ 1071508 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated, move-in-ready condo offering abundant natural light, soaring ceilings, and low-maintenance living in a convenient location. West-facing exposure fills the home with afternoon sunshine, creating a bright and inviting atmosphere throughout. Recent updates include new LVP flooring throughout the main living areas, new carpet in the bedrooms and stairs, and a remodeled kitchen featuring new countertops, sink, and new stainless steel appliances. The well-designed floor plan features a spacious primary suite with a walk-in closet and private 3/4 bath. A second bedroom with French doors provides flexibility for guests, a home office, or additional living space. The open living area is centered around a cozy gas fireplace, providing the perfect spot to relax or entertain. Step outside to the private balcony for morning coffee, evening beverages, or simply enjoying the Colorado sunshine. Additional balcony storage and an attached one-car garage provide plenty of space for your gear and everyday needs. Enjoy an impressive collection of community amenities including indoor/outdoor pool, hot tub, clubhouse, fitness area, volleyball court, and more. Ideally located near shopping, restaurants, parks, and quick access to Highway 34, this updated condo combines comfort, convenience, and easy Colorado living. All the work has been done-just move in and enjoy!

5775 29th St Unit 605, Greeley

320 S Mckinley Ave, Fort Lupton
$375,000
3 Beds ⋅ 2 Baths ⋅ 1071457 MLS ⋅ ACTIVE Status
CLASSIC BRICK CHARM, ORIGINAL HARDWOOD FLOORS & ENDLESS POTENTIAL IN FORT LUPTON, CO! Looking for a home with character, solid construction, and room to make it your own? Welcome to 320 S McKinley Avenue in Fort Lupton, Colorado, where timeless charm meets incredible opportunity! This classic brick home offers original hardwood floors, flexible living spaces, and a convenient location near the heart of Fort Lupton. Step inside and discover beautiful original hardwood flooring throughout the main level, adding warmth and character you just don't find in many newer homes. The main floor features two generously sized bedrooms, a full bathroom, and a functional kitchen with abundant cabinet storage and a dedicated dining area. Head downstairs to discover even more possibilities! The basement offers a spacious family room, a versatile room with a closet, an additional flex space with potential for a bedroom or home office, a large laundry room with extra storage, and a 3/4 bathroom. Whether you're looking for additional living space, a hobby room, or a place to customize to your needs, this home offers plenty of flexibility! Outside, enjoy Colorado mornings and evenings on the covered back patio, plus the convenience of a detached one-car garage with alley access. LOCATION, CHARACTER & OPPORTUNITY! Conveniently situated in Fort Lupton, CO, near local schools, shopping, restaurants, the Fort Lupton Public & School Library, and the Fort Lupton Recreation Center, this home puts everyday amenities close to home. The home has new interior paint and a Class 4 hail resistant roof which will help you save on your insurance!

320 S Mckinley Ave, Fort Lupton

500 Mohawk Dr Unit 309, Boulder
$339,900
2 Beds ⋅ 1 Baths ⋅ 1071448 MLS ⋅ ACTIVE Status
Enjoy ease of living in Residence 309 at The Bramford. This inviting two-bedroom condo pairs everyday comfort with scenic charm, showcasing sweeping views of the Flatirons from most every room. Whether you are looking for a seamless age-in-place community or a secure lock-and-leave residence, this home offers the ultimate in convenience and peace of mind. Inside, you'll find a spacious primary bedroom complete with a generous walk-in closet, and flatiron views!The second bedroom also captures those iconic mountain views-with lmaking it ideal for guests, a home office, or both. The Updated Galley kitchen features granite counters and cork flooring, newer appliances. The highlight of the home is the large, west-facing covered balcony, providing a fantastic vantage point for morning coffee and breathtaking flatiron sunsets. Enjoy true single-level convenience with elevator access and no stairs, along with an impressive lineup of community amenities: an indoor pool, hot tub, wet and dry saunas, fitness center, billiards room, and conference space. This low-maintenance home also includes covered parking, dedicated storage, and secure bike storage. A shared laundry just steps from unit. The all-inclusive HOA simplifies your life and budget, by covering heating, cooling, water, sewer, trash, recycling, snow removal, exterior upkeep, and landscaping. Located just steps from groceries, banking, Kaiser medical offices, library, dining, parks, and trails-with a peaceful park and pond directly across the street,This sunny home offers both tranquility and accessibility. You are also just a short bike ride from vibrant downtown attractions and right on the bus line, less than two miles from the University of Colorado. Comfort, community, and captivating views come together to create a welcoming happy home!

500 Mohawk Dr Unit 309, Boulder

1728 Fairacre Dr, Greeley
$409,000
4 Beds ⋅ 2 Baths ⋅ 1071443 MLS ⋅ ACTIVE Status
Charming Cottage with Rental Income Potential Near Glenmere Park! This adorable cottage on Fairacres Drive offers the perfect combination of charm, convenience, and income potential! Ideally located near the hospital, high school, and college, it's also just a short walk to the beautiful, serene Glenmere Park. The well-maintained and updated 2-bedroom main-floor unit features charming arched doorways and original wood floors that add warmth and character throughout. The property also includes a separate 2-bedroom basement apartment with its own private entrance, creating an excellent opportunity for supplemental rental income. With demand for short-term housing from traveling nurses, doctors, professors, and other professionals, this property could be an ideal fit for an owner-occupant looking to offset their mortgage with rental income. Prefer not to rent out the basement? The property may qualify for the City of Greeley's G-HOPE down payment assistance program for eligible buyers based on employment qualifications. First-time homebuyer status is not required, subject to program guidelines.Outside, enjoy the privacy of a fully fenced backyard, a lovely back patio, and plenty of space for the perennial gardening enthusiast. A new potting and garden outbuilding provides even more room for gardening supplies, hobbies, and additional storage.Charming character, flexible living options, and exciting income potential-all in a convenient location!Don't wait-schedule your showing today before this special property is gone!

1728 Fairacre Dr, Greeley

4531 18th St, Greeley
$387,000
2 Beds ⋅ 2 Baths ⋅ 1071441 MLS ⋅ ACTIVE Status
Welcome to 4531 W 18th Street, a charming brick patio home nestled in the College Green Crossing community! Offering the perfect blend of comfort, convenience, and low-maintenance living, this thoughtfully designed ranch-style home features 2 bedrooms, 2 bathrooms, and 1,393 square feet of main-level living space, plus a full unfinished basement ready for your personal touch. Step inside to discover an inviting open floor plan highlighted by vaulted ceilings, skylights that fill the living area with natural light, and a cozy gas fireplace that creates a warm and welcoming atmosphere. The spacious kitchen offers an eat-in dining area and generous pantry storage, making everyday living and entertaining a breeze. Retreat to the comfortable primary suite featuring a walk-in closet and private five-piece bathroom. Main-level laundry adds another layer of convenience, while the unfinished basement provides an incredible opportunity to expand your living space, create a home office, hobby room, or additional entertaining area. Outside, enjoy your private patio without the hassle of extensive yard maintenance. An attached two-car garage provides additional storage and everyday convenience. With HOA services historically including lawn care, snow removal, trash service, and exterior maintenance, this home offers an appealing opportunity for those seeking a more carefree lifestyle in a 55+ neighborhood. Conveniently situated near shopping, dining, parks, and everyday amenities, this College Green Crossing property combines comfortable living with room to make it your own. Don't miss the opportunity to explore everything this home has to offer!

4531 18th St, Greeley

709 96th Ave Pl, Greeley
$448,990
4 Beds ⋅ 3 Baths ⋅ 7308245 MLS ⋅ ACTIVE Status
What's Special: Covered Front Porch | 2nd Floor Laundry Room | Tech Center. New Construction - Ready Now! Built by America's Most Trusted Home Builder. Welcome to the Peak at 709 96th Avenue Place in Lake Bluff! The main level features an open-concept kitchen, dining area, and great room that create a bright and inviting space for everyday living and entertaining. A large kitchen island, walk-in pantry, and convenient powder room add style and functionality, while the covered front porch offers a warm welcome home. Upstairs, the private primary suite includes a generous walk-in closet and a well-appointed bath with dual vanities. Three secondary bedrooms, a versatile tech space, and an upstairs laundry room provide flexibility for work, school, guests, or hobbies. A large crawlspace offers additional storage opportunities, making it easy to stay organized. Lake Bluff offers a friendly Northern Colorado setting in Greeley near Highway 34. Enjoy easy access to Front Range employment centers, well-regarded Windsor Schools, and future parks and trails. Outdoor destinations like Island Grove Regional Park, the Poudre River Trail, and the Greeley Stampede bring year-round recreation, while Rocky Mountain National Park is perfect for a day of mountain adventure. Additional Highlights Include: appliance package, door to primary bath, 6'x8' sliding glass door, and utility sink rough-in. Interior photos are for representative purposes only. MLS# 7308245

709 96th Ave Pl, Greeley

2714 Cherly St, Fort Collins
$435,000
4 Beds ⋅ 2 Baths ⋅ 1071394 MLS ⋅ ACTIVE Status
Four bedrooms, two living spaces, an oversized garage, a private backyard, newer roof and mechanicals, AND a neighborhood pool? All at an affordable price in Fort Collins? Yep, this one checks a LOT of boxes! Welcome to 2714 Cherly in Countryside Park. Step inside to discover a comfortable, functional floor plan with room to spread out. The open living, dining, and kitchen areas create an inviting hub for everyday living and entertaining, while stainless appliances and ample counter space make meal prep a breeze. A large picture window floods the living room with beautiful southern light, and the dining room slider opens to your own backyard retreat. Three nicely sized bedrooms and a full bath complete the upper level. Head downstairs for even more possibilities! The second living area is ready to become your movie lounge, workout zone, home office, or kid's playroom. A fourth bedroom, 3/4 bath, and laundry room add flexibility and convenience. And that oversized, 550-square-foot garage? Plenty of room for your cars, bikes, boards, and all the gear that comes with Colorado living. Out back, enjoy a private yard with garden beds, compost bins, a storage shed, extended trellises, multiple seating areas, and even a sweet little house for Fido. The location is the cherry on top. Riverbend Ponds and the Poudre Trail are practically at your doorstep, making daily walks and weekend bike rides easy. Old Town, groceries, and everyday essentials are just minutes away, with convenient access to Highway 14, Prospect, Timberline,and I-25. Move-in ready, packed with possibilities, and priced to make homeownership feel within reach. This FoCo find is one you won't want to miss!

2714 Cherly St, Fort Collins

6387 Deerfoot Dr, Loveland
$385,000
3 Beds ⋅ 3 Baths ⋅ 1071393 MLS ⋅ ACTIVE Status
Built in 2024, this townhome in Kinston at Centerra has 3 bedrooms, 1,682 square feet, and a rear-load two-car garage, all in one of Loveland's most popular new communities. The main level is open and bright. Large front windows bring in natural light, and a fireplace anchors the living room. The living room flows into the dining area and kitchen, so the space works well day to day and when you have people over. The kitchen has an oversized island with room for seating, plenty of counter space, and a pantry for extra storage. Upstairs, the primary suite has an upgraded bathroom and a large closet. Two more bedrooms share a full bathroom, and the laundry is on the same level. The rear-load garage keeps the front of the home clean and leaves room for vehicles, storage, and gear. Townhome living also means less exterior upkeep and more free time. This home is right across from the The HUB, the community's gathering place. It has food, coffee, beer and cocktails, fire pits, and a community center, so there's always somewhere to meet neighbors or spend an evening outside. The neighborhood also has a ton of parks and open green space throughout, giving you plenty of room to get outside without leaving Kinston. I-25 and Hwy 34 are close by for easy commutes to Fort Collins, Greeley, Denver and Boulder. It is also near Centerra for shopping, dining, and entertainment which are minutes away, and Boyd Lake State Park is nearby for boating, paddle boarding, and summer days on the water. Downtown Loveland and Old Town Fort Collins are both a short drive away. This home is within Thompson School District, Riverview PK-8 and Mountain View High School.This is currently the only attached home available in Kinston. You get all the benefits of a newer build without waiting on construction.

6387 Deerfoot Dr, Loveland

1862 Mount Sneffels St, Longmont
$399,900
2 Beds ⋅ 2 Baths ⋅ 1734901 MLS ⋅ ACTIVE Status
Welcome to a home where charm, comfort, and a fantastic backyard come together! Tucked into an established Longmont neighborhood, this inviting property offers freshly painted interiors, spacious living areas, and an incredible covered patio. Step inside to discover a bright and spacious living room where beautiful wood look flooring brings warmth and character to the space. A large picture window welcomes natural light, while fresh interior paint gives the home a clean, refreshed feel. The living room opens to a dedicated dining area, creating a wonderful connection between the spaces. Just beyond, the kitchen offers generous cabinetry, ample counter space, and a convenient peninsula. An additional family room offers even more space to relax and enjoy, with sliding glass doors that fill the room with natural light and provide direct access to the covered patio and backyard. The primary bedroom features a spacious closet and a private bathroom with a walk in shower. An additional bedroom and full bathroom offer flexibility for guests or a home office. A conveniently located laundry area with built in shelving provides additional storage and organization, adding even more functionality. One of the most exciting features is waiting just outside! A fantastic covered patio provides a spacious, sheltered setting for outdoor dining, comfortable seating, and enjoying Colorado's beautiful weather. The patio opens to a fully fenced backyard with a grassy lawn, established landscaping, and plenty of room for gardening or creating an outdoor space that's all your own. An attached two car garage adds convenience, while the location places you near Lanyon Park, neighborhood trails, shopping, and dining. Downtown Longmont and Union Reservoir are also nearby, offering plenty of opportunities to explore and enjoy the community. Come fall in love today!

1862 Mount Sneffels St, Longmont

5812 Pinot St, Greeley
$449,000
4 Beds ⋅ 3 Baths ⋅ 1071311 MLS ⋅ ACTIVE UNDER CONTRACT Status
Immaculately maintained, loaded with upgrades, and priced to impress! Beautiful semi-custom, one-owner, ranch in West Greeley offering exceptional quality and outstanding value! This 4-bedroom, 3-bath home showcases pride of ownership throughout, featuring soaring vaulted ceilings, gorgeous wood floors, and an inviting open-concept layout. The stunning kitchen boasts custom city scaped cabinetry with 42-inch uppers, crown molding, under cabinet lighting, granite countertops, SS appliances, and center island. The main-floor primary suite features a beautifully finished bath and generous walk-in closet with direct access to the laundry room. A convenient drop zone off the oversized 2.5-car garage adds functionality. Two gas fireplaces create inviting gathering spaces on both levels. The finished basement impresses with 9-foot ceilings, an expansive family room, two additional bedrooms, and a full bathroom. Outside, enjoy a private backyard retreat with a covered patio, vinyl privacy fencing, mature landscaping, and decorative concrete curbing. Additional highlights include a tankless water heater, abundant storage, and quality finishes throughout. Enjoy nearby shopping, dining, and coffee shops, plus a neighborhood park and scenic pond just a short stroll away. Exceptionally clean, meticulously cared for, and competitively priced, this home delivers semi-custom quality. Don't miss this incredible opportunity!

5812 Pinot St, Greeley

1450 Blue Sky Way Unit 12-12-307, Erie
$316,000
2 Beds ⋅ 2 Baths ⋅ 9489946 MLS ⋅ ACTIVE Status
Enjoy mountain views, beautiful Colorado sunsets, and exceptional privacy in this spacious 1,271-square-foot, top-floor end-unit condo in the popular, established Blue Sky at Vista Ridge community! Soaring vaulted ceilings in both the living room and primary bedroom, abundant natural light, and a welcoming living room fireplace create a bright, open atmosphere. The desirable split-bedroom floor plan offers added privacy. With only one shared wall and no neighbors overhead, this third-floor location offers a wonderful sense of separation. Two balconies provide inviting outdoor living spaces with access from both bedrooms and the living room. Relax, enjoy, and take in mountain views from multiple windows. The spacious, open living and dining areas are ideal for everyday comfort or entertaining, while a generously sized, separate laundry room offers more than the laundry closet. Recent improvements include updated flooring, interior paint, and light fixtures. Surrounded by attractive, park-like grounds with a playground nearby, the community offers a clubhouse, outdoor swimming pool, hot tub, and additional amenities. Ample open parking is available near the building. Located adjacent to Colorado National Golf Club, with convenient access to shopping, dining, and major commuting routes. Discover the appeal of low-maintenance Colorado living in this well-established Erie community! Property is tenant-occupied and being sold subject to an existing lease. Some photographs were taken prior to the current tenancy; furnished rooms are virtually staged.

1450 Blue Sky Way Unit 12-12-307, Erie

2845 W 13th St, Greeley
$395,000
4 Beds ⋅ 2 Baths ⋅ 1071282 MLS ⋅ ACTIVE Status
Welcome to 2845 W 13th Street, a freshly painted 4-bedroom, 2-bath ranch with a finished basement in West Greeley's Sherwood Park neighborhood. Board-and-batten siding, white brick and a shaded front patio create real curb appeal, a mature ornamental tree anchors the front yard, and the oversized attached 2-car garage (with a dog door and opener) makes daily life easy. Inside, hardwood floors flow through the living room, dining area and eat-in kitchen, with plenty of natural light for everyday living and entertaining. The kitchen offers granite counters, a pantry, warm wood cabinetry, a dishwasher, microwave and disposal, plus generous counter and cabinet space, and a sliding glass door opens to the backyard. Fresh neutral paint throughout gives you a clean canvas to make your own. Three main-level bedrooms have new carpet, and the full bath and laundry hookups are conveniently on the main floor. Downstairs, the finished basement adds roughly 1,200 square feet (nearly 2,400 total) with a large, open carpeted living area, recessed lighting, a fourth bedroom, a second full bath and a big storage room with shelving. Use the space for a media room, home office, gym or guests. Outside, the level, fully fenced backyard is ready for relaxing, with a 12x20 gazebo and low-maintenance artificial turf, an ideal spot for grilling and morning coffee, plus plenty of open yard to make your own. An owned 4.07 kW solar system (installed 2022) helps keep utility costs down, and natural gas forced-air heat plus central air keep the home comfortable year-round. Southern exposure brings in great sunlight. A park with mature trees, open space and a playground sits right across the street, with Scott Elementary nearby. Downtown Greeley's farmers market, festivals, restaurants and shops are just 5-10 minutes away. Built in 1969 with no HOA. Come see it in person and schedule your showing today!

2845 W 13th St, Greeley

640 Gooseberry Dr Unit 902, Longmont
$399,000
2 Beds ⋅ 2 Baths ⋅ 1071238 MLS ⋅ ACTIVE Status
Easy Living in Meadowview - Longmont, ColoradoWelcome to effortless, main-level living in this beautiful two-bedroom, two-bath condo nestled in a quiet, charming setting in Longmont's desirable Meadowview neighborhood.From the moment you arrive, you'll appreciate the inviting covered front porch, white picket fence, spacious front yard, and mature trees that create a warm, welcoming atmosphere. Inside, expansive North and East facing windows fill the home with beautiful natural light, while the open floor plan offers a wonderful balance of comfort and functionality.The spacious living and dining areas flow seamlessly into the kitchen, where a generous island is perfect for casual breakfasts, gathering with friends, or entertaining. With no stairs to navigate, everyday living couldn't be easier!Tucked privately toward the back of the home, the primary suite offers a delightful bonus nook-ideal for a home office, cozy reading retreat, nursery, or creative space. Abundant closets and storage, a dedicated laundry room with washer and dryer included, and a conveniently located one-car garage adjacent to the home add to the ease of living.Enjoy Longmont's extensive bike paths, nearby St. Vrain Valley schools, and the convenience of strolling over to Spruce Cafe and Meadowview Center, where you'll find local restaurants, chocolates, spa services, and neighborhood conveniences.Simple, comfortable, and beautifully connected to the community. Come experience the charm of Meadowview and discover what easy, lock-and-leave living can feel like. Welcome home!

640 Gooseberry Dr Unit 902, Longmont

4725 Hahns Peak Dr Unit 204, Loveland
$278,900
2 Beds ⋅ 2 Baths ⋅ 1071232 MLS ⋅ ACTIVE Status
Welcome to Hahns Peak! Charming 2 bed / 2 bath condo located the highly sought after Lakeshore at Centerra Condos. Clean and Move-in ready!! Privacy on the 2nd floor, all one level, this until has its own private entrance, a perfect spot for a welcoming entrance. Open floor plan, lots of light, desirable layout, enhanced with easy-maintenance modern wood floors, vaulted ceilings giving a nice feel of extra space, and a nice & clean color palette that's great for any decor. The kitchen features plenty of warm wood cabinetry, title backsplash, great appliances, and a breakfast bar for additional seating. Open the sliding door off the spacious living room and enjoy an early morning cup of coffee on the covered balcony. There's also a huge storage space on the balcony to easily store your outdoor gear. Two large-sized bedrooms are located opposite one another for added privacy, and the primary retreat boasts a huge walk-in closet and a convenient en-suite bath. Laundry is easy with the in-unit washer and dryer! Ceiling fans for great airflow. A nice coat closet at the entrance is great for winter coats and boots. Two reserved parking spots make parking worry-free. Wonderful amenities with a community pool, ponds, walking trails, clubhouse, wonderful park, and proximity to plenty of shopping and Hwy 34 and I-25 to easily get you anywhere you need. This move-in-ready condo is just waiting for you to move right in and call it home! Come see it today, wont last long!

4725 Hahns Peak Dr Unit 204, Loveland

1200 43rd Ave Unit 14, Greeley
$399,900
4 Beds ⋅ 3 Baths ⋅ 1071206 MLS ⋅ ACTIVE Status
Looking for a 4 bedroom, 3 bath home for sale in Greeley, CO? Welcome to 1200 43rd Ave #14 locate in desirable central part of Greeley close to loads of amenities, where updated finishes, flexible space, and a large patio backing to green space come together in one inviting home.The galley style kitchen features granite countertops and stainless steel appliances, ready for weekend entertaining with easy access to the back patio. The clean, modern layout is easy to maintain and ready for your personal touches. Low maintenance living with snow removal and yards taken care of for you. The bathrooms have all been updated with tile and granite counters, giving the home a fresh, polished feel throughout. A flex room or home office, gym space on the main level adapts easily to your routine, whether you need a work-from-home space, hobby room, or guest room. With four bedrooms and three baths upstairs there is space for everyone and BRAND NEW CARPET. The well appointed and large primary suite has its own en~suite bathroom equipped with a large shower and soaking tub. Beautiful ledger stone walls give a custom decor feel. First-time buyers, move-up buyers, down-sizers, and investors will all appreciate the flexibility and ease of maintenance this Greeley home offers. Step outside to a large patio off of the kitchen, that backs to green space, a peaceful spot for morning coffee, evening grilling, or relaxing with friends adding a relaxed feel beyond the patio but without the headache of yard work. The two-car garage provides secure parking and storage, with additional parking on the side of the home as well as across from the home, makes hosting guests easy. This move in ready gem is located in the quiet enclave of Ventana Villas near Greeley Country Club, Aims Community College, UNC, Poudre River Bike Trail and minutes from downtown Greeley. Homes in this neighborhood don't come on very often so schedule your showing today! No metro tax and low HOAs make for simple living!

1200 43rd Ave Unit 14, Greeley

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Listings courtesy of Information and Real Estate Services, LLC as distributed by MLS GRID.


Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker of MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some listings have been excluded from this website.


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