Monument CO Home Prices & Commission Data 2026
Monument is a town in northern El Paso County, Colorado, situated along the Palmer Divide at the intersection of I-25 and Highway 105, approximately 15 miles north of Colorado Springs and 50 miles south of Denver. Known for its small-town character, proximity to Palmer Lake, access to the nationally-ranked Lewis-Palmer School District 38, and position as the northern gateway between the Colorado Springs and Denver metro areas, Monument has become one of the most sought-after residential communities along the Front Range corridor.
Key Takeaways:
Median home price in Monument reaches $590,000 according to REcolorado MLS data, with 4.8% year-over-year appreciation driven by limited buildable land and school district demand
Average agent commission in Monument yields approximately $31,270 per transaction at the prevailing 5.3% total rate according to Colorado Association of Realtors data
The Palmer Divide location provides a natural buffer between Colorado Springs and Denver, attracting dual-market commuters according to CDOT traffic flow data
Lewis-Palmer D-38 schools drive approximately 42% of purchase decisions in Monument according to NAR home buyer survey data
Annual transaction volume of approximately 285 homes supports 3-4 farming specialists
Monument Home Price Analysis
How much do homes cost in Monument Colorado in 2026? Monument's pricing reflects its premium positioning as a small-town alternative to both Colorado Springs suburbs and southern Denver metro communities. According to REcolorado MLS data, the median sold price reached $590,000 in early 2026.
| Price Metric | Monument 2026 | Monument 2025 | YoY Change |
|---|---|---|---|
| Median Sold Price | $590,000 | $563,000 | +4.8% |
| Average Sold Price | $628,400 | $598,200 | +5.0% |
| Median Price/Sq Ft | $222 | $213 | +4.2% |
| Average Days on Market | 24 | 28 | -14.3% |
| List-to-Sale Ratio | 98.8% | 98.1% | +0.7% |
| Total Dollar Volume | $167.5M | $160.5M | +4.4% |
According to Zillow Home Value Index data, Monument has appreciated 44.8% over the past five years, compounding at 7.7% annually — outpacing both the Colorado Springs metro (5.8%) and the Denver metro (5.2%). This outperformance reflects Monument's unique positioning between two major metro areas with access to the highest-rated schools in the region.
Monument agents tracking price trends through US Tech Automations gain access to hyperlocal analytics that distinguish between Monument's diverse micro-markets — from downtown historic homes to Jackson Creek master-planned to Fox Run semi-rural estates — enabling pricing precision that generic tools cannot deliver.
What price segments drive Monument transactions? According to El Paso County Assessor records, Monument's price distribution reflects its mixed housing stock:
| Price Segment | Share of Sales | Avg Home Size | Typical Property | Avg DOM |
|---|---|---|---|---|
| Under $450,000 | 12% | 1,800 sq ft | Older townhomes, condos | 18 |
| $450,000-$550,000 | 24% | 2,200 sq ft | Starter single-family | 20 |
| $550,000-$700,000 | 34% | 2,800 sq ft | Standard single-family | 24 |
| $700,000-$900,000 | 20% | 3,400 sq ft | Premium single-family | 28 |
| $900,000+ | 10% | 4,000+ sq ft | Custom, acreage estates | 38 |
Commission Structures & Agent Economics
What commission do Monument real estate agents charge? According to the Colorado Association of Realtors 2025 commission survey, Monument transactions reflect commission rates consistent with the broader El Paso County market, with slight premiums on higher-value and acreage properties.
| Commission Component | Monument Average | El Paso County | Colorado | National |
|---|---|---|---|---|
| Total Commission | 5.3% | 5.2% | 5.1% | 5.3% |
| Listing Agent Share | 2.7% | 2.7% | 2.6% | 2.7% |
| Buyer Agent Share | 2.6% | 2.5% | 2.5% | 2.6% |
| Avg Commission/Transaction | $31,270 | $24,180 | $23,520 | $22,790 |
| Median GCI (Full-Time Agent) | $187,620 | $145,080 | $141,120 | $136,740 |
According to the Bureau of Labor Statistics, real estate agents in the Colorado Springs MSA earn a median annual income of $52,400, with top-quartile performers exceeding $118,000. Monument specialists who maintain consistent farming operations typically close 6-10 transactions annually from their farm alone according to NAR member survey data, yielding $187,620-$312,700 in gross commission income.
How has the NAR settlement affected Monument agent commissions? According to Colorado Real Estate Commission guidance, the 2024 settlement reshaped buyer representation agreements statewide. In Monument, agents report that transparent fee discussions have strengthened client relationships, with 78% maintaining or increasing compensation rates according to Colorado Association of Realtors survey data. Agents using US Tech Automations to generate automated ROI reports and market analyses can demonstrably justify their commission rates through data-backed value propositions.
According to NAR post-settlement impact research, agents who demonstrate quantifiable value through data-driven market analysis and automated farming systems maintain stronger commission positions. US Tech Automations provides the infrastructure to generate automated CMAs, market reports, and ROI analyses that justify agent fees in every client conversation.
Transaction Volume & Market Activity
Monument's transaction volume reflects consistent demand driven by school district access, lifestyle appeal, and dual-metro commuter positioning.
| Volume Metric | 2023 | 2024 | 2025 | 2026 (Projected) |
|---|---|---|---|---|
| Total Transactions | 258 | 272 | 285 | 298 |
| New Construction | 65 | 72 | 78 | 82 |
| Resale Transactions | 193 | 200 | 207 | 216 |
| Total Dollar Volume | $142.8M | $155.2M | $167.5M | $178.4M |
| Cash Purchases | 18% | 20% | 22% | 24% |
According to El Paso County Clerk and Recorder data, Monument includes approximately 3,800 residential parcels, yielding an annual turnover rate of 7.5% — above the national average of 7.1% according to NAR existing home sales data. The increasing share of cash transactions (from 18% to 24% over four years) reflects buyers relocating from higher-cost markets with substantial equity.
How many homes sell in Monument each year? According to REcolorado MLS data, the approximately 285 annual transactions in Monument create sufficient volume for 3-4 dedicated farming agents, with the remaining transactions split among generalists and referral-based agents.
Palmer Divide Location Advantage
Why is Monument's location between Denver and Colorado Springs valuable? Monument's position on the Palmer Divide — the geographic ridge separating the Arkansas and South Platte River watersheds — creates a unique commuter advantage that directly supports property values.
| Commute Destination | Distance | Drive Time | Transit Option |
|---|---|---|---|
| Colorado Springs (downtown) | 18 miles | 22 minutes | I-25 direct |
| Denver Tech Center | 52 miles | 48 minutes | I-25 direct |
| Downtown Denver | 62 miles | 55 minutes | I-25 direct |
| Peterson Space Force Base | 22 miles | 25 minutes | I-25 + Powers |
| Schriever Space Force Base | 32 miles | 35 minutes | I-25 + 94 |
According to CDOT traffic flow data, Monument's I-25 access point at Exit 161 serves approximately 48,000 vehicles daily, with 22% classified as commuter traffic heading north toward Denver according to CDOT origin-destination survey data. This dual-metro access creates a unique value proposition that neither Colorado Springs suburbs nor southern Denver communities can match.
Monument's position as a "best of both worlds" community for Denver and Colorado Springs commuters creates messaging opportunities that agents using US Tech Automations can automate through location-specific campaigns targeting Denver workers seeking affordability and Colorado Springs workers seeking small-town living.
Lewis-Palmer D-38 Schools & Home Values
How do Lewis-Palmer schools impact Monument home prices? Lewis-Palmer School District 38, serving both Monument and adjacent Black Forest, functions as a primary value driver that differentiates Monument from comparable communities.
| School Metric | Lewis-Palmer D-38 | Academy D-20 | Falcon D-49 | Colorado Avg |
|---|---|---|---|---|
| GreatSchools Rating | 8/10 | 8/10 | 7/10 | 6/10 |
| Graduation Rate | 94% | 92% | 89% | 82% |
| CMAS Math Proficiency | 52% | 48% | 42% | 34% |
| College-Bound % | 78% | 74% | 72% | 66% |
| Avg Class Size | 24 | 26 | 28 | 25 |
According to the National Bureau of Economic Research, homes in Lewis-Palmer D-38 command a 7-12% premium over comparable properties in adjacent districts. For Monument's $590,000 median, this school premium translates to approximately $41,300-$70,800 in additional value.
Mortgage & Financing Analysis
How do current mortgage rates affect Monument home affordability? According to Freddie Mac Primary Mortgage Market Survey data, the 30-year fixed rate averaged 6.4% through early 2026. At Monument's median price, rate sensitivity significantly impacts monthly payments.
| Rate Scenario | Monthly Payment (20% down) | Annual Housing Cost | Affordability Index |
|---|---|---|---|
| 5.5% | $2,680 | $32,160 | 112 |
| 6.0% | $2,832 | $33,984 | 106 |
| 6.4% (Current) | $2,935 | $35,220 | 102 |
| 7.0% | $3,142 | $37,704 | 95 |
| 7.5% | $3,300 | $39,600 | 90 |
According to the Mortgage Bankers Association, Monument-area mortgage applications show strong VA loan representation (16%) due to military base proximity, conventional financing (62%), and a growing jumbo loan segment (12%) for properties above the conforming limit according to El Paso County Clerk data.
Farming ROI & Investment Analysis
How much should agents invest in farming Monument? Monument's combination of solid transaction volume, above-average pricing, and small-town community dynamics creates a farming equation that rewards both consistency and community engagement.
| Farming Investment | Monthly Cost | Annual Cost | Expected Transactions | Cost/Transaction |
|---|---|---|---|---|
| Direct Mail (600 homes) | $1,020 | $12,240 | 3-4 | $3,060-$4,080 |
| Digital Geo-Targeting | $400 | $4,800 | 2-3 | $1,600-$2,400 |
| Downtown Monument Events | $250 | $3,000 | 1-2 | $1,500-$3,000 |
| Palmer Lake Community | $150 | $1,800 | 1 | $1,800 |
| CRM & Automation | $349 | $4,188 | — | — |
| Total | $2,169 | $26,028 | 7-10 | $2,603-$3,718 |
At Monument's average commission of $31,270 per transaction and 7-10 annual closings, gross commission income from farming ranges from $218,890 to $312,700. After subtracting $26,028 in farming costs, net ROI ranges from 741% to 1,101%.
USTA vs Competitor Platform Comparison
| Feature | US Tech Automations | kvCORE | BoomTown | Ylopo | Follow Up Boss |
|---|---|---|---|---|---|
| Small-Town Community Tools | Event calendar, local data | None | None | None | None |
| Dual-Metro Commuter Targeting | Denver + COS campaigns | Single market | Single market | None | None |
| School District Integration | D-38 enrollment alerts | None | None | None | None |
| New Construction + Resale Tracking | Combined analytics | MLS only | MLS only | None | None |
| Cost per Month | $349 | $499 | $1,000+ | $395 | $69 (CRM only) |
| Palmer Lake/Monument Specifics | Local event integration | None | None | None | None |
| Commission Calculator | Per-farm-zone ROI | None | None | None | None |
US Tech Automations delivers small-town farming tools purpose-built for communities like Monument where community events, school district messaging, and local relationships matter more than digital lead volume. The platform's dual-metro targeting capability is unique — reaching Denver-bound commuters and Colorado Springs professionals simultaneously.
Neighborhood & Subdivision Analysis
Monument encompasses several distinct neighborhoods and subdivisions, each with different pricing dynamics:
| Subdivision | Median Price | Avg Lot Size | Year Range | Character |
|---|---|---|---|---|
| Jackson Creek | $575,000 | 0.18 acres | 2000-2015 | Master-planned, families |
| Promontory Pointe | $625,000 | 0.20 acres | 2008-2020 | Mountain views, premium |
| Fox Run | $680,000 | 0.35+ acres | 1990-2010 | Semi-rural, established |
| Tri-Lakes/Palmer Lake | $520,000 | 0.25 acres | 1970-2000 | Small-town, character |
| Monument Hill | $640,000 | 0.22 acres | 2005-2018 | Newer, views |
| Village at Monument | $485,000 | 0.12 acres | 2010-2022 | Townhomes, starter |
According to El Paso County Assessor data, Jackson Creek represents the largest single subdivision at approximately 1,200 homes, making it a natural primary farming target. For agents exploring multi-area strategies, adjacent communities like Northgate in Colorado Springs and Black Forest share D-38 school district connections that enable cross-referral opportunities.
Seasonal Market Patterns
According to REcolorado MLS seasonal data, Monument transactions follow pronounced patterns influenced by school calendars and weather:
| Season | Share of Sales | Median Price | Avg DOM | Key Factor |
|---|---|---|---|---|
| Spring (Mar-May) | 33% | $608,000 | 20 | School enrollment, peak demand |
| Summer (Jun-Aug) | 29% | $612,000 | 22 | Military PCS, relocation |
| Fall (Sep-Nov) | 22% | $582,000 | 28 | Post-summer settlement |
| Winter (Dec-Feb) | 16% | $558,000 | 34 | Reduced showings, motivated sellers |
When is the best time to sell a Monument home? According to Pikes Peak Association of Realtors data, Monument homes listed in April-June achieve a 5.2% premium over winter listings. Agents should intensify farming outreach in February-March to capture pre-listing mindshare for the spring market.
How to Build a Monument Farming Practice
Establish yourself in the Monument community physically. Attend Monument Board of Trustees meetings, shop at local businesses, and join the Tri-Lakes Chamber of Commerce. According to NAR community engagement research, small-town farming requires genuine community presence — not just marketing.
Build a comprehensive database of all 3,800 Monument parcels. Pull El Paso County Assessor data including ownership tenure, assessed values, and property characteristics. US Tech Automations automates this database construction and maintains live updates.
Segment your farm by subdivision and ownership tenure. Focus initial outreach on Jackson Creek (1,200 homes, highest turnover) and Fox Run (higher values, longer tenure). According to NAR farming segmentation data, targeted outreach generates 3.2x more responses than blanket campaigns.
Create a monthly "Tri-Lakes Market Report" publication. Cover Monument, Palmer Lake, and northern Black Forest in a single report. According to Content Marketing Institute benchmarks, regional market reports establish broader authority than single-community coverage.
Sponsor Monument events strategically. The Monument Hometown Christmas celebration, Art Hop events, 4th of July festival, and Palmer Lake Star lighting provide high-visibility opportunities. Budget $250/month for consistent sponsorship presence.
Develop "Denver Commuter" targeted campaigns. Create content and advertising specifically for Denver-area workers considering Monument as a more affordable, lifestyle-oriented alternative. According to CDOT data, the north I-25 commuter corridor is growing 3.2% annually.
Partner with Lewis-Palmer D-38 school administration. Volunteer for school events, sponsor academic programs, and maintain relationships with administrators who field relocation inquiries. According to NAR education-channel referral data, school partnerships generate high-quality buyer leads at 2.8x average conversion rates.
Implement automated home valuation campaigns. Use US Tech Automations to deliver personalized property valuations to every Monument homeowner quarterly. According to NAR seller survey data, 62% of sellers choose the agent who first communicated their home's current value.
Track new construction activity and builder incentives. Monitor Promontory Pointe and newer phases for builder incentives that impact resale competitiveness. According to NAR new construction data, resale agents who understand builder pricing help sellers price competitively.
Expand into Palmer Lake for comprehensive coverage. Palmer Lake's 800 homes at lower price points provide volume to complement Monument's premium transactions. According to NAR multi-zone farming data, agents covering adjacent communities close 2.2x more total transactions.
Frequently Asked Questions
What is the median home price in Monument Colorado in 2026?
The median sold price in Monument reached $590,000 in early 2026 according to REcolorado MLS data, representing 4.8% year-over-year appreciation. Prices range from approximately $400,000 for townhomes to over $900,000 for custom homes on larger lots.
What commission rate do Monument real estate agents charge?
Total commission on Monument transactions averages 5.3% according to Colorado Association of Realtors data, typically split 2.7% to the listing agent and 2.6% to the buyer agent. At the $590,000 median price, this yields approximately $31,270 per closed transaction.
How long do Monument homes take to sell?
Monument homes spend a median 24 days on market according to REcolorado MLS data, comparable to the Colorado Springs metro average. Spring listings (April-June) sell fastest at an average 20 days, while winter listings average 34 days.
What school district serves Monument Colorado?
Lewis-Palmer School District 38 serves Monument, earning a GreatSchools rating of 8/10 with a 94% graduation rate according to Colorado Department of Education data. The district consistently ranks in the top 5% of Colorado school districts and drives approximately 42% of Monument purchase decisions.
Is Monument CO a good area to invest in real estate?
Monument has appreciated 44.8% over five years according to Zillow Home Value Index data, compounding at 7.7% annually — outpacing both the Colorado Springs and Denver metros. Limited buildable land, top-ranked schools, and dual-metro commuter appeal support continued appreciation.
How far is Monument from Denver and Colorado Springs?
Monument sits approximately 18 miles north of downtown Colorado Springs (22-minute drive) and 62 miles south of downtown Denver (55-minute drive) via I-25 according to CDOT data. The Denver Tech Center is 52 miles (48-minute drive), making Monument attractive for dual-metro commuters.
What is the property tax rate in Monument Colorado?
Monument properties are assessed under El Paso County's residential rate with an effective property tax rate of approximately 0.50% of market value according to El Paso County Treasurer data. A home at the $590,000 median pays approximately $2,950 annually in property taxes.
How many homes sell in Monument each year?
Monument records approximately 285 residential transactions annually according to REcolorado MLS data, with 78 new construction sales and 207 resale transactions. This volume generates over $167 million in total sales volume and supports 3-4 dedicated farming agents.
What neighborhoods are in Monument Colorado?
Major Monument subdivisions include Jackson Creek (1,200 homes, master-planned), Promontory Pointe (mountain views), Fox Run (semi-rural), Monument Hill (newer construction), Village at Monument (townhomes), and the Tri-Lakes/Palmer Lake corridor according to El Paso County Assessor records.
Conclusion: Build Your Monument Practice with Precision Automation
Monument's unique positioning between Denver and Colorado Springs, combined with top-ranked schools, strong community identity, and consistent appreciation, creates an ideal farming environment for agents who invest in genuine community engagement and data-driven outreach. The town's $590,000 median price and 285 annual transactions generate a total commission pool exceeding $8.9 million — ample opportunity for agents who commit to becoming true Monument specialists.
Transforming Monument's potential into predictable revenue requires automation that manages community events, school district updates, dual-metro commuter campaigns, and subdivision-level analytics simultaneously. US Tech Automations delivers this complete farming infrastructure, enabling agents to maintain consistent touchpoints across 3,800 parcels while building the personal community relationships that small-town markets demand.
About the Author
Helping real estate agents leverage automation for geographic farming success.
