Broomfield vs Westminster Home Prices: Comparing Costs

Broomfield vs Westminster Home Prices: The Short Answer

Broomfield vs Westminster home prices come out about $105,000 apart at the citywide median, and that number is real. The Census Bureau's 2024 American Community Survey puts the median owner-occupied home value at $686,200 in Broomfield and $580,600 in Westminster. If you stop there, Westminster looks like the obvious saving.

It is worth looking one layer down, because the two cities are not selling the same house. Broomfield's median home was built in 2004. Westminster's was built in 1988. Newer subdivisions in Broomfield, places like Broadlands, Anthem and Wildgrass, tend to have bigger floor plans, and bigger homes cost more. When you line the two cities up by price per square foot instead of price per house, the gap almost disappears.

That leaves the cost that does not show up on the listing: property taxes. Broomfield households paid a median of $4,012 in real estate taxes in the same survey, against $2,716 in Westminster. Part of that is home value. Part of it is how each city, county, school district and metro district stacks its mill levies. That is where I spend most of my time when a buyer is deciding between the two.

I work out of 8181 Arista Place in Broomfield, a few minutes from the Westminster line, and I finance homes on both sides of it every month. Here is the comparison I walk my clients through.

One ZIP Code, Two Cities: Reading Broomfield vs Westminster Home Prices by Address

Before any price comparison, you need to know which city a home is actually in. The mailing address will not always tell you. Broomfield and Westminster share three ZIP codes, and in one of them Westminster holds more land than Broomfield does.

Here is how the Census Bureau's 2020 ZIP-to-city relationship file splits the land in the ZIP codes that matter for this comparison.

Source: U.S. Census Bureau, 2020 ZCTA to Place Relationship File, land area. Shares do not add to 100% where a ZIP also covers other cities or unincorporated land.

Why it matters: a listing in 80021 that says "Broomfield" may sit inside Westminster city limits, and the reverse happens in 80020. City limits decide who sets your city mill levy, which police and fire department serve you, and which city's utility rates you pay. The county line matters too. Westminster straddles Adams and Jefferson counties, while Broomfield is its own city and county. Before you compare two homes, confirm each one's city and county on the county assessor's record, not the listing.

Broomfield vs Westminster Home Prices per Square Foot

Here is the asking-price side, from Realtor.com's ZIP-level inventory data for September 2026. These are listing prices, not closed sales, and ZIP figures blend whatever cities share the ZIP. I have grouped each ZIP with the city that holds most of its land.

Source: Realtor.com residential listing inventory by ZIP code, September 2026. *Realtor.com flags the 80023 figures for an unusual month-over-month or year-over-year change, so read that row with care.

Look at the price-per-square-foot column, because that is where Broomfield vs Westminster home prices start to look alike. Five of the six ZIP codes sit between $250 and $267. The outlier is 80030 in south Westminster at $286, where homes are smaller and older and a small house often asks more per foot than a large one. Now look at the size column. The Broomfield ZIP codes carry the biggest homes, topping out at a median of 2,916 square feet in 80023.

Put the two columns together and the answer to Broomfield vs Westminster home prices is mostly about how much house you buy. A 2,000 square foot home at the 80020 rate of $264 a foot works out to about $528,000. The same size at the 80031 rate of $258 is about $516,000. That is a $12,000 gap on similar square footage, not $105,000.

Both markets are moving at a similar, unhurried pace. Median days on market ran from 42 to 66 across these ZIP codes, and roughly a third or more of listings in each had a price cut in September. That gives you room to compare carefully instead of rushing.

Property Taxes: Where Broomfield vs Westminster Home Prices Really Split

Colorado property tax is built from mill levies. One mill is $1 of tax for every $1,000 of assessed value, and every taxing body that covers your address adds its own mills: the city, the county, the school district, the fire district, and any metro district. The total depends on the exact address, which is why two homes a mile apart can carry very different tax bills, and why the listing price alone never settles Broomfield vs Westminster home prices.

To put mills in dollars, I use the City of Westminster's own example. Its 2026 Budget in Brief says a house valued at $540,000 pays $197 a year on the city's 3.65 mills. That is about $54 a year per mill on a $540,000 home. School mills are assessed at a slightly different rate, so treat this as a rough yardstick, not a tax bill.

Broomfield's levy depends on the school district

Broomfield is served by five school districts, and the school district is the biggest single line on most bills. Here are the 2025 total levies, payable in 2026, for Broomfield tax areas with no metro district, from the City and County of Broomfield's Mill Levies by District report.

Source: City and County of Broomfield, Mill Levies by District as of 12/31/2025. Some tax areas add 1 mill for the Northern Colorado Water district.

Every one of those totals includes the same city and county lines: 11.457 mills for the City of Broomfield, 15.261 for the county general fund and 2.250 for health and human services. Broomfield bills also include 14.737 mills for North Metro Fire Rescue. Westminster, by contrast, provides fire protection as a city service, paid for through the city budget rather than a separate fire district levy.

Westminster's city levy is low, but the county still applies

Westminster's city levy is 3.65 mills, which the city describes as one of the lowest on the Front Range. That does not make a Westminster bill 25 mills lighter than Broomfield's, because Westminster owners also pay their county. On the Jefferson County side, the county general fund is 26.978 mills, per Jefferson County's 2025 tax authority list.

Here is the cleanest apples-to-apples comparison I can give you: two homes in the Jeffco school district, one on each side of the line. In Broomfield, that tax area totals 88.954 mills. In Westminster, the county, city, Jeffco schools at 44.349 and the regional drainage district at 0.900 add up to 75.877 mills before any parks, metro or improvement district. That is a gap of about 13 mills, or roughly $700 a year on a $540,000 home using the yardstick above.

In north Westminster, on the Adams County side, many homes are in Adams 12 Five Star Schools, the same district as east Broomfield. The Adams 12 school levy is 70.956 mills on both sides of the line, so the difference comes down to the city, county and fire lines. Adams County's levy and any parks district on your address are listed on the Adams County assessor's tax district report for that property.

How Metro Districts Change Broomfield vs Westminster Home Prices

A metro district is a special taxing district that pays for roads, water lines and parks in a newer neighborhood, often by repaying bonds through property taxes. It can outweigh everything above. In Broomfield, the BBC Metropolitan District brings its tax area to 151.884 mills, about 59 mills above the same Boulder Valley area without it. Anthem West's tax area totals 135.511 mills, and Wildgrass on the Adams 12 side totals 148.561.

Westminster has its own versions. Jefferson County's list shows the Westminster Downtown general improvement district at 35 mills, and the city sets levies for several other improvement districts around Westminster. Using the same yardstick, a 59-mill metro district adds roughly $3,200 a year on a $540,000 home. Colorado law requires a special district notice in residential purchase contracts, and my Westminster first-time buyer checklist walks through how to look one up before you make an offer.

What Broomfield vs Westminster Home Prices Mean for Your Loan

The loan rules behind Broomfield vs Westminster home prices do not change at the city line. The 2026 conforming loan limit is $862,500 for a single-family home in Broomfield, Adams and Jefferson counties alike, because all three sit in the Denver metro area. Above that figure you move into jumbo financing in either city. FHA, VA, USDA where eligible, and conventional programs all work the same way on both sides.

What changes is the money you bring and the payment you qualify for. Here is how the down payment looks at the September median listing prices in 80020 and 80031.

• 5 percent down: about $29,000 on the $580,000 Broomfield median, about $26,250 on the $524,995 Westminster median.
• 20 percent down: about $116,000 in Broomfield, about $105,000 in Westminster.

Property taxes flow into your monthly escrow, and your escrow counts in your debt-to-income ratio. At the Census medians, $4,012 a year in Broomfield is about $334 a month, and $2,716 in Westminster is about $226 a month. That $108 monthly difference reduces how much house a lender can approve you for, before you even add a metro district. When I pre-approve a buyer who is shopping both cities, I run the payment with the actual levy for each address rather than a citywide average. My Broomfield home affordability guide and Westminster mortgage budget guide go deeper on each city's numbers.

What Each City Gives You for the Money

Cost is only half of the decision. Broomfield's higher median buys a newer housing stock, a median home built in 2004, and master-planned neighborhoods with pools, parks and trails that metro districts help fund. Broomfield's median household income is $125,055, and its renters pay a median gross rent of $2,141.

Westminster's median home is older, built in 1988, and the city has a deep supply of established neighborhoods around Standley Lake, Legacy Ridge and the original city near 72nd Avenue. Median household income is $108,877, and median gross rent is $2,044. Westminster is also split among three school districts, which my Westminster schools guide maps street by street.

Neither city is the cheaper choice in every case, which is the most useful thing to know about Broomfield vs Westminster home prices. A newer Broomfield home with no metro district can carry a lower tax bill than a Westminster home inside a high-levy district. The comparison only works one address at a time.

Broomfield vs Westminster Home Prices: Quick Facts

How I Help You Compare Two Addresses

When a client is choosing between Broomfield and Westminster, I start with the listings they actually like. I confirm the city and county for each one, pull its tax area and any metro district, and build a full payment for each: principal, interest, taxes, insurance and HOA dues. Then we look at what each payment does to your approval and your cash at closing. Most buyers find the choice gets easier once the real numbers are next to each other. If you are weighing Broomfield vs Westminster home prices right now, call me with the two addresses and I will run both.