How to Find Affordable Housing in Denver, Colorado

Denver, Colorado, known for its stunning mountain views, vibrant cultural scene, and booming economy, has become one of the most desirable cities in the American West. However, this popularity has come at a cost—housing prices have risen sharply over the past decade, making it increasingly difficult for low- and middle-income residents to find affordable housing. From downtown lofts to suburban rentals, the demand far outpaces supply, and many newcomers and long-term residents alike are struggling to secure a stable, safe, and reasonably priced place to live.

Finding affordable housing in Denver is not impossible, but it requires strategy, persistence, and access to the right information. This guide provides a comprehensive, step-by-step roadmap tailored to individuals and families seeking affordable housing options in the Denver metropolitan area. Whether you’re relocating for work, graduating from college, or simply trying to stretch your budget further, this tutorial will equip you with actionable tools, insider tips, and real-world examples to help you navigate one of the most competitive rental and homeownership markets in the country.

Step-by-Step Guide

Understand What “Affordable” Means in Denver

Before you begin your search, it’s critical to define what “affordable” means in the context of Denver’s housing market. The U.S. Department of Housing and Urban Development (HUD) defines affordable housing as costing no more than 30% of a household’s gross monthly income. In Denver, the median rent for a one-bedroom apartment as of 2024 is approximately $2,100 per month, and for a two-bedroom, it’s around $2,600. For a household earning the city’s median income of roughly $75,000 annually ($6,250 per month), 30% translates to $1,875. This means that even at median income levels, many renters are paying more than the recommended threshold.

For lower-income households—those earning below 60% of the Area Median Income (AMI)—the situation becomes even more challenging. At 60% AMI ($45,000/year or $3,750/month), an affordable rent would be $1,125. Very few units in Denver fall within this range without subsidies or assistance. Understanding these benchmarks helps you set realistic expectations and identify programs designed to bridge the gap.

Assess Your Financial Situation

Before applying for any housing, evaluate your income, savings, debts, and monthly expenses. Lenders and landlords typically require proof of income that is at least three times the rent amount. If you’re applying for subsidized housing or housing choice vouchers, your income must fall within specific limits set by HUD or local agencies.

Create a detailed budget that includes:

• Monthly income (after taxes)
• Fixed expenses (utilities, transportation, insurance, groceries)
• Debt payments (student loans, credit cards)
• Savings goals

Use this budget to determine the maximum rent you can realistically afford. If your current income doesn’t meet the 3x rent rule, consider adding a co-signer, seeking a roommate, or exploring income-restricted housing options.

Identify Target Neighborhoods with Lower Costs

Not all Denver neighborhoods are priced equally. While areas like LoDo, Capitol Hill, and Cherry Creek command premium rents, other neighborhoods offer significantly better value without sacrificing access to transit, schools, or amenities.

Consider these more affordable areas:

• West Denver (Westwood, Westwood Hills): Near the Denver International Airport, these neighborhoods offer lower rent prices and are seeing revitalization efforts.
• South Denver (Auraria, Englewood, Littleton): Close to public transit and major employment centers, these areas have more older housing stock at lower price points.
• North Denver (North Park, Green Valley Ranch): Newer developments and larger units are available at moderate prices, especially if you’re open to slightly longer commutes.
• Eastern Denver (Arapahoe, Sheridan): Often overlooked, these areas offer single-family rentals and townhomes at 20–30% below the city average.

Use tools like Zillow’s “Rent Affordability” filter or the Denver Regional Council of Governments (DRCOG) housing affordability map to compare median rents by zip code. Prioritize neighborhoods with access to RTD light rail or bus lines to reduce transportation costs.

Explore Income-Restricted and Subsidized Housing Programs

Denver has a robust network of income-restricted housing options funded by federal, state, and local programs. These units are reserved for households earning below 50%–80% of AMI and often come with rents set at 30% of income.

Key programs include:

• Housing Choice Voucher Program (Section 8): Administered by the Denver Housing Authority (DHA), this program provides vouchers to help pay rent in privately owned units. The waiting list is long—often several years—but you can apply online through the DHA portal.
• Denver Housing Authority’s Public Housing: DHA owns and manages over 6,000 units across the city. Eligibility is based on income, family size, and citizenship status. Applications are accepted year-round.
• Low-Income Housing Tax Credit (LIHTC) Properties: These are privately owned developments that receive tax incentives in exchange for offering a percentage of units at reduced rates. Examples include The Dwellings at East Colfax and The Grove at Stapleton.
• Denver’s Affordable Housing Trust Fund: This fund supports the development of affordable units and provides rental assistance to qualifying residents. Check the City of Denver’s Office of Housing and Housing Development for current opportunities.

Apply early. Many of these programs have long waiting lists, and some prioritize applicants based on homelessness, disability, veteran status, or domestic violence history.

Use Online Housing Portals Strategically

While popular sites like Zillow, Apartments.com, and Rent.com are useful, they often list market-rate units only. To find affordable options, use filters and advanced search techniques:

• Set rent filters to “Under $1,800” or “Under $2,000” depending on your budget.
• Use keywords like “income-restricted,” “subsidized,” “Section 8 accepted,” or “affordable housing.”
• Sort by “Newest Listings” — affordable units are often snapped up within hours.
• Check “Available Now” and “Lease Starting Soon” tags to avoid long wait times.

Also, explore niche platforms such as:

• Denver Housing Authority’s Online Portal – lists DHA-owned and managed units.
• Colorado Housing and Finance Authority (CHFA) – features listings for affordable rental and homeownership programs.
• LocalNonProfitHousing.org – a curated directory of nonprofit housing providers in Colorado.

Network with Local Nonprofits and Community Organizations

Many affordable housing opportunities are not advertised publicly. Local nonprofits, faith-based organizations, and community centers often maintain waiting lists or know of units that are about to become available.

Reach out to organizations such as:

• Denver Community Housing Partners – provides housing counseling and connects residents with affordable units.
• Volunteers of America Colorado – offers transitional and permanent supportive housing for low-income individuals and families.
• Homeless Outreach Team (HOT) Denver – even if you’re not homeless, they can refer you to housing resources and emergency assistance.
• Denver Urban Ministries – provides rental assistance and housing navigation services.

Attend monthly housing fairs hosted by the City of Denver or DRCOG. These events often feature direct access to housing providers, application assistance, and on-the-spot eligibility screening.

Consider Alternative Housing Models

Traditional apartments and single-family homes aren’t the only options. Alternative housing models can offer significant cost savings:

• Roommates and Shared Housing: Renting a room in a shared house or apartment can cut your housing costs by 40–60%. Use platforms like Roomies.com or Facebook groups like “Denver Roommates & Housing” to find vetted matches.
• Accessory Dwelling Units (ADUs): Also called “granny flats” or backyard cottages, ADUs are small, self-contained units built on existing residential lots. Many are rented at below-market rates and are often overlooked by mainstream listings.
• Co-Housing Communities: Denver has a growing co-housing movement where residents share common spaces and responsibilities. These communities often prioritize affordability and sustainability.
• Live-in Caregiver or Property Management Roles: Some homeowners offer reduced or free rent in exchange for light housekeeping, pet care, or property maintenance. Check Craigslist under “Jobs” with keywords like “rent for help.”

Prepare a Strong Rental Application

Even if you qualify for affordable housing, competition is fierce. A strong application can make the difference between being accepted or waitlisted.

Before applying, gather:

• Proof of income (pay stubs, tax returns, award letters)
• Photo ID and Social Security card
• References from previous landlords or employers
• Proof of good credit (or a letter explaining negative marks)
• Bank statements showing savings

If your credit score is low, offer to pay a higher security deposit or provide a co-signer with good credit. Some affordable housing providers are more flexible than market-rate landlords, especially if you demonstrate stability and reliability.

Be Ready to Act Quickly

Denver’s affordable housing market moves fast. Units listed as “available” may be rented within 24–48 hours. Set up alerts on housing portals, check listings daily, and be prepared to submit applications immediately. Have your documents scanned and ready to upload. If you’re approved for a voucher, schedule viewings as soon as possible.

Don’t wait until you’re evicted or homeless to start looking. Start your search at least 60–90 days before you need to move. If you’re relocating from out of state, consider temporary housing (like a short-term Airbnb) while you secure permanent housing.

Best Practices

Don’t Fall for Scams

Scammers target housing seekers with fake listings, phishing emails, and requests for upfront payments. Red flags include:

• Landlords who won’t meet in person or show the unit
• Requests to wire money or pay via gift cards
• Too-good-to-be-true prices (e.g., a 2-bedroom for $800 in Cherry Creek)
• Unprofessional websites or lack of verifiable contact information

Always verify listings through official channels. If a property is listed as “income-restricted,” confirm it’s part of a recognized program like LIHTC or DHA. Never send money before signing a lease or receiving a key.

Know Your Tenant Rights

Colorado law protects renters against discrimination, retaliation, and unsafe living conditions. The Colorado Revised Statutes (Title 38, Article 12) outline tenant rights, including:

• The right to habitable housing (heat, water, plumbing, structural safety)
• Notice requirements for rent increases and evictions
• Protection against discrimination based on race, gender, disability, or source of income (including housing vouchers)

Landlords cannot refuse to rent to someone because they use a housing voucher. If you’re denied, file a complaint with the Colorado Civil Rights Division. Keep records of all communications and lease agreements.

Improve Your Credit and Financial Health

Even if you’re applying for subsidized housing, good credit can speed up approval and open doors to more options. Use free tools like Credit Karma or Experian to monitor your score. Pay down debts, dispute errors on your credit report, and request a letter of explanation for past delinquencies.

Build a rental history by paying utilities and phone bills on time. Some services now report to credit bureaus, which can help improve your score over time.

Apply to Multiple Programs Simultaneously

Don’t put all your hopes in one program. Apply to the Denver Housing Authority, CHFA, local nonprofits, and LIHTC properties at the same time. Each has different eligibility criteria and waiting lists. The more applications you submit, the higher your chances of being matched with housing.

Consider Homeownership as an Alternative

While renting is the most common path, homeownership can be more affordable in the long run—especially with assistance programs. CHFA offers low-interest mortgages for first-time buyers with incomes up to 120% AMI. Down payment assistance of up to $15,000 is available through the Homebuyer Advantage Program. Properties in Denver’s outer neighborhoods, like Commerce City or Thornton, offer single-family homes under $400,000 with these programs.

Stay Informed About Policy Changes

Denver’s housing landscape is evolving. New ordinances, funding allocations, and development projects can create new opportunities. Subscribe to newsletters from:

• City of Denver Office of Housing
• Denver Housing Authority
• Denver Metro Chamber of Commerce (Housing Committee)
• Colorado Housing and Finance Authority

Attend city council meetings on housing development. Public input can influence where new affordable units are built.

Tools and Resources

Official Government and Nonprofit Platforms

• Denver Housing Authority (DHA) – denverhousing.org – Application portal for public housing and vouchers.
• Colorado Housing and Finance Authority (CHFA) – chfa.org – Offers rental and homeownership programs with income limits.
• Denver Office of Housing and Housing Development – denvergov.org/housing – Information on affordability initiatives, funding, and community input.
• DRCOG Housing Resources – drcog.org/housing – Maps, data, and neighborhood affordability tools.
• Colorado Coalition for the Homeless – Housing Navigation – coloradocoalition.org – Assistance for those at risk of homelessness.

Online Listing Platforms

• Zillow – Filter by “Under $1,800” and use keywords like “Section 8 accepted.”
• ApartmentList – Shows affordability scores and rent trends by neighborhood.
• HotPads – Includes roommate listings and allows filtering by “utilities included.”
• Roomies.com – Dedicated to roommate matching and shared housing.
• Craigslist – Use with caution, but still a source for ADUs and direct landlord listings. Search “Denver housing wanted” or “rent for help.”

Financial and Credit Tools

• Credit Karma – Free credit monitoring and score improvement tips.
• MyFICO – Detailed credit insights and simulation tools.
• Denver Financial Empowerment Center – Free one-on-one financial coaching. Visit denver.gov/financialempowerment.

Community and Advocacy Groups

• Denver Community Housing Partners – Offers housing counseling and application support.
• Colorado Housing Connects – A statewide hotline (844-926-6632) that connects residents to housing resources. (Note: This is a public resource, not a customer service line.)
• Denver Tenant Union – Provides workshops on tenant rights and housing advocacy.
• Denver Urban Ministries – Offers emergency rental assistance and housing navigation.

Mobile Apps

• Housing Connect (by CHFA) – Mobile-friendly portal for affordable housing applications.
• Denver 311 – Report housing code violations or request city services.
• RTD Go – Plan transit routes to ensure you’re living near public transportation.

Real Examples

Example 1: Maria, Single Mother of Two

Maria, a 32-year-old medical assistant earning $42,000 per year, moved to Denver from Texas with her two young children. She needed housing under $1,400/month to stay within 30% of her income. After researching, she applied to the Denver Housing Authority’s Section 8 program and was placed on the waiting list. While waiting, she found a room in a shared home in West Denver through Roomies.com for $850/month. She also enrolled in the City of Denver’s Child Care Assistance Program, which reduced her childcare costs by 70%. After 18 months, she received a voucher and moved into a two-bedroom LIHTC apartment in the Park Hill neighborhood for $1,050/month. Her total housing cost is now 22% of her income.

Example 2: James, Recent College Graduate

James graduated from the University of Colorado Denver with a degree in social work and an annual salary of $38,000. He couldn’t afford a studio on his own. He applied to the CHFA First-Time Homebuyer Program and found a townhome in Aurora listed at $310,000. With a $10,000 down payment assistance grant and a 3.25% interest rate, his monthly mortgage (including taxes and insurance) was $1,620—less than the rent he was paying for a studio in the city. He now owns his home and is building equity.

Example 3: Carlos and Elena, Retired Couple

Carlos and Elena, both 68, live on Social Security and a small pension totaling $36,000 annually. They were at risk of being priced out of their long-time apartment in Five Points. They contacted Denver Community Housing Partners, who helped them apply for a senior-specific LIHTC property in Northeast Denver. The unit, designed for seniors, costs $920/month and includes on-site social services. They also qualified for utility assistance through the Low-Income Home Energy Assistance Program (LIHEAP), saving them $120/month.

Example 4: Aisha, Student and Part-Time Worker

Aisha, a 21-year-old student working 20 hours/week at $15/hour, earned $15,600/year. She lived in a dorm but needed housing after her sophomore year. She found a 3-bedroom house in North Park where she rented a room for $600/month. The house was owned by a nonprofit that offered discounted rent to students. She also joined a housing co-op through her university, which provided subsidized meals and group transportation. Her total housing cost was under $700/month, allowing her to focus on her studies without financial stress.

FAQs

What is the income limit for affordable housing in Denver?

Income limits vary by program and household size. For example, in 2024, a single person must earn less than $54,000 (80% AMI) to qualify for many LIHTC units. For Section 8, the limit is typically 50% AMI ($33,750 for one person). Always check the specific program’s guidelines.

How long is the waiting list for Section 8 in Denver?

The waiting list for Denver Housing Authority’s Section 8 program can be 3–7 years long. However, priority is given to those who are homeless, fleeing domestic violence, or have disabilities. Applying early and checking for open waitlists is essential.

Can I use a housing voucher anywhere in Denver?

Yes. Housing Choice Vouchers (Section 8) can be used in any privately owned unit that accepts them and meets HUD housing quality standards. Landlords cannot legally refuse a voucher holder, though some may still do so informally. Document any discrimination and report it.

Are there affordable housing options for students?

Yes. The University of Colorado Denver, Metropolitan State University, and community colleges partner with nonprofit housing providers to offer reduced-rate housing for students. Check with your school’s housing office or student services department.

What should I do if I’m evicted or at risk of homelessness?

Contact Denver Urban Ministries or the Colorado Coalition for the Homeless immediately. They offer emergency rental assistance, housing navigation, and temporary shelter referrals. Don’t wait—assistance is more effective when sought early.

Can I buy a home in Denver with low income?

Yes. CHFA offers down payment assistance of up to $15,000 and low-interest mortgages for buyers earning up to 120% AMI. First-time homebuyers in certain ZIP codes may qualify for additional incentives. Homeownership is often more affordable than renting long-term.

Do I need good credit to get affordable housing?

Not always. Many income-restricted programs focus on income and household size rather than credit score. However, for market-rate affordable units or homeownership programs, good credit helps. If your credit is poor, work with a housing counselor to improve it.

Is it better to rent or buy in Denver if I’m on a budget?

It depends. Renting may be easier short-term, especially if you have limited savings. But if you plan to stay in Denver for five or more years, buying—even a modest home—can be more financially advantageous due to equity building and tax benefits. Use a rent-vs-buy calculator to compare your specific situation.

Are there any programs for veterans seeking affordable housing?

Yes. The Denver VA Medical Center partners with local housing providers to offer priority access to veterans. Programs like HUD-VASH (Veterans Affairs Supportive Housing) combine Section 8 vouchers with case management. Contact the Colorado Coalition for the Homeless or the VA for assistance.

How can I find ADUs (Accessory Dwelling Units) in Denver?

ADUs are not always listed on mainstream sites. Search Facebook groups like “Denver ADUs for Rent,” check Craigslist under “housing wanted,” or contact neighborhood associations. Some cities require ADUs to be registered—ask landlords if their unit is permitted.

Conclusion

Finding affordable housing in Denver is undeniably challenging, but it is far from impossible. With the right strategy, access to accurate information, and persistence, individuals and families at all income levels can secure safe, stable, and affordable homes. The key lies in understanding the landscape—knowing where to look, what programs exist, and how to navigate them effectively.

This guide has provided a comprehensive roadmap: from defining affordability and identifying target neighborhoods, to applying for subsidized housing, avoiding scams, and leveraging community resources. Real-life examples demonstrate that success is achievable—even in a high-cost market—when individuals take proactive, informed steps.

Remember: affordable housing is not a luxury—it’s a necessity. And in Denver, it’s a right that can be claimed with preparation, patience, and persistence. Start your search today. Apply to multiple programs. Network with local organizations. Stay informed. Your next home is out there. You just need to know where—and how—to look.