Homes for Sale Under 500K Near Me

1,108,308 Homes for Sale

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Photo 3 of Single family home for sale at 1692 Cr 12, Alma, CO | MLS# 7280606 | Listing updated on 2026-10-03Photo 1 of Single family home for sale at 1692 Cr 12, Alma, CO | MLS# 7280606 | Listing updated on 2026-10-03Photo 2 of Single family home for sale at 1692 Cr 12, Alma, CO | MLS# 7280606 | Listing updated on 2026-10-03

$500,000

count-img 1

3Bds

2Ba

1,120sqft

Single family home for sale

1692 Cr 12, Alma, CO

MLS ID #7280606, Re/Max Properties Of The Summit

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US Housing Market Overview

The US's real estate market shows equilibrium between buyers and sellers. This generates fair negotiating circumstances for all parties. With a 4.5 months of supply and properties spending 62 days on market on average, both buyers and sellers can pursue favorable results.

Status

Balanced Market

Days on Market

62

Inventory

1,021,086

Sep 2021Jun 2024Sep 2026

Median Home Price

$399,000Up 2.57%

In Sep 2026 · YoY

Sep 2021Jun 2024Sep 2026

Mortgage Rates 30-Yr Fixed

6.23%Down 0.58%

Current rate · YoY

Loan Type

30-Year Fixed

Housing Supply

Homes For Sale
1,021,086 Up 29.33%
Newly Listed Homes
433,634 Up 13.66%
Months of Supply
4.5 Up 45.16%

Housing Demand

Homes Sold
225,096 Down 11.98%
Sale-to-List Ratio
98.5% Up 0.09%
Homes Sold Above List
24.6% Up 2.50%

30-yr fixed rate 6.23% · Data as of Sep 2026 · Source: Houzeo Research.

View Full US Market Report

Frequently Asked Questions

How much does it cost to buy a home in the US?

The median home price in the US is $399,000. However, it varies based on the state and city you choose and the type of property.

Additionally, factor in miscellaneous costs like closing costs, HOA fees, down payment, property taxes, and other state-specific taxes in your total budget.

Why does my property tax bill look different from a friend's in another state?

Property tax bills vary across states because local services and schools are funded differently. States, like New Jersey, that rely heavily on property taxes to pay for education charge higher rates.

A home worth $400,000 might cost $8,900 per year in New Jersey, but only $2,000 in South Carolina. Always check local tax rates and owner discounts before you buy a home, since these costs add drastically to your monthly payment.

How do I know if I'm about to sign up for an HOA fee?

You will know if you are about to sign up for an HOA fee by checking real estate listings and official sale documents. These fees pay for shared spaces, maintenance, and community features.

Almost 44% of all homes for sale now include HOA fees. Condos and townhomes usually have higher monthly dues, but many single-family homes have lower dues. Costs differ by state and property type, ranging from under $150 to over $500 per month.

Do I need flood insurance, and does it only apply to homes near the coast?

You need flood insurance if your mortgage lender requires it. According to federal law, buyers with government-backed loans in high-risk zones have to buy coverage.

However, heavy rains, river overflows, and poor drainage cause severe inland flooding everywhere, not just in coastal zones. More than 40% of flood insurance claims come from homes outside official high-risk zones. Standard home insurance does not cover flood damage, so relying on distance from the ocean is a mistake. Always check your preferred listing’s address on the FEMA flood map before making an offer.

Do closing costs really change depending on which state I'm buying in?

Yes, closing costs change significantly depending on where you buy a home. On average, buyers pay roughly 3% to 6% of the sale price. This happens because local transfer taxes and recording fees differ across borders.

For example, buyers in Washington, D.C., pay over $17,000 on average. Meanwhile, buyers in states like Missouri or Iowa pay under $2,000 due to lower transfer taxes.

How much of a down payment do I actually need to buy a home?

The actual amount you need for a downpayment depends on whether you have owned a home before. First-time buyers typically put down about 10% of the purchase price. Repeat buyers usually pay around 23% because they use the cash they’ve received from selling their previous home.

Most basic loans require only 3% to 5% down. Government-backed loans allow down payments as low as 3.5%. Higher average down payments reflect buyer choice rather than strict lender rules.

What extra costs should I expect when buying a new construction home?

Buying new construction properties involves extra costs that resale homes rarely require. Builders often build managed communities, making high HOA fees much more common.

Advertised base prices cover basic features only, so developer upgrades and premium lot options add tens of thousands of dollars to your final cost. Local governments also charge special connection fees for utilities and public infrastructure on new builds.

However, new homes include comprehensive builder warranties covering structural repairs for the early years. This saves you money compared to older resale homes that require separate warranties.

Who pays the real estate agent’s commission, and has that changed recently?

Recent legal settlements changed how real estate commissions work in the United States. In August 2024, the National Association of Realtors stopped listing agents from advertising buyer agent fees on the MLS.

Buyers now sign written representation agreements before touring homes, detailing exactly how much their agent will earn. In practice, sellers still often pay the fee to attract buyers, but they now negotiate those payments outside the public database system.

Ask your real estate agent about their fee structure before scheduling a tour, and negotiate for the seller to cover those costs within your purchase offer.

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    Based on information from Stellar MLS® through Oct 17, 2026, 7:45 PM as submitted to and distributed by MLS GRID. All data is obtained from various sources and may not have been verified by the broker or 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. IDX information is provided exclusively for consumers’ personal non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end-user license agreement prescribed by the Member Participant’s applicable MLS, if any, and as amended from time to time. © 2026 Stellar MLS. All Rights Reserved.
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    This representation is based in whole or in part on data supplied by Midwest Real Estate Data, LLC through Oct 17, 2026, 7:45 PM. Midwest Real Estate Data, LLC does not guarantee nor is it in any way responsible for its accuracy. Data maintained by Midwest Real Estate Data LLC may not reflect all real estate activity in the market.

    Based on information submitted to the MLS GRID as of Oct 17, 2026, 7:45 PM. All data is obtained from various sources and has not been, and will not be, verified by broker or 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. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. Some IDX listings have been excluded from this website. Information is provided exclusively for consumers’ personal non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID, MRED or Houzeo. The use of the MLS GRID Data may be subject to an end user license agreement. Properties displayed may be listed or sold by various participants in the MLS,

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    Based on information from the North Texas Real Estate Information Systems, Inc., through Oct 17, 2026, 7:45 PM. Information is provided exclusively for consumers’ personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. ©2026 North Texas Real Estate Information Systems, Inc. All Rights Reserved.
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    Based on information submitted to the MLS GRID as of Oct 17, 2026, 7:45 PM. All data is obtained from various sources and may not have been verified by broker or 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. ©2026 REcolorado®, Inc. All Rights Reserved.
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    Based on information from the Spokane Association of REALTORS® through Oct 17, 2026, 7:46 PM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but is not guaranteed accurate. ©2026 Spokane Association of REALTORS®. All Rights Reserved.

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    Based on information from California Regional Multiple Listing Service, Inc. as of Oct 17, 2026, 7:45 PM and /or other sources. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. © 2026 California Regional Multiple Listing Service. All Rights Reserved.

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    Based on information from Realtracs® through Oct 17, 2026, 7:46 PM. Data courtesy of Realtracs® MLS as distributed by MLS GRID. Some IDX listings have been excluded from this website. All data is obtained from various sources and may not have been verified by the broker or 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. IDX information is provided exclusively for consumers’ personal, noncommercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end-user license agreement prescribed by Realtracs® MLS. © 2026 RealTracs Solutions. All Rights Reserved.

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    Based on information from the Columbus Association of REALTORS (alternatively, from Multiple Listing Service of the Columbus Association of Realtors, Inc.) through Oct 17, 2026, 7:45 PM. Information is provided exclusively for consumers’ personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties that consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS. No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of property information; such should be independently verified. Columbus Association of REALTORS expressly disclaims any liability in connection therewith. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. © 2026 Copyright Columbus Association of REALTORS. All rights reserved.
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    Based on information from the Arizona Regional Multiple Listing Service through Oct 17, 2026, 7:45 PM. All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Listing Information presented by local MLS brokerage: Sell Your Home Services, local REALTOR®- Dan Demers (774) 265-0879. Information is provided exclusively for personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. © 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.

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    Based on information from Mid America Regional Information Systems, Inc. through Oct 17, 2026, 7:46 PM. All data is obtained from various sources and may not have been verified by broker or 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 IDX listings have been excluded from this website. Properties displayed may be listed or sold by various participants in the MLS. Property data presented reflect information otherwise available from public records. The REALTOR® providing this information may not have represented the buyer or seller in some or all of the transactions.
    IDX information is provided exclusively for consumers’ personal noncommercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant’s applicable MLS if any and as amended from time to time. © 2026 Mid America Regional Information Systems, Inc. All Rights Reserved.
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    Based on information from Bright MLS through Oct 17, 2026, 7:45 PM. Listing information is from various brokers who participate in the Bright MLS IDX program and not all listings may be visible on the site. The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale. Property information displayed is deemed reliable but is not guaranteed. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. © 2026 Bright MLS, Inc. All Rights Reserved. Click here for more information

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    Based on information from the Greater Alabama MLS through Oct 17, 2026, 7:45 PM. Information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS.This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. © 2026 Greater Alabama MLS, Inc. All rights reserved.
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    Based on information from the Greater Albuquerque Association of REALTORS® (alternatively, from the Southwest MLS) through Oct 17, 2026, 7:45 PM. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by The Service. © 2026 Greater Albuquerque Association of REALTORS®. All Rights Reserved.
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    Based on information submitted to the MLS GRID by Northwest Multiple Listing Service as of Oct 17, 2026, 7:47 PM. All data is obtained from various sources and may not have been verified by broker or 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.


    IDX information is provided exclusively for consumers’ personal, noncommercial use; it may not be used for any purpose other than to identify prospective properties that consumers may be interested in purchasing, that the data is deemed reliable, but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end-user license agreement prescribed by the Member Participant’s applicable MLS, if any and as amended from time to time. © 2025 Northwest Multiple Listing Service. All Rights Reserved.

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    Based on information from the Hive MLS, through Oct 17, 2026, 7:45 PM. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. The data relating to real estate on this web site comes in part from the Internet Data Exchange program of Hive MLS, and is updated as of Oct 17, 2026, 7:45 PM. All information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor Chosen Realty LLC nor Houzeo shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. © 2026 Hive MLS. All Rights Reserved.
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United States Housing Marketlink qauare
Homes Available icon

1,108,308

Homes Available

Median List Price icon

$ 399,000

Median List Price

Avg on Market icon

62 Days

Avg on Market

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