Silverthorne, Colorado Housing Market

How much can you negotiate in Silverthorne?

Only 28 out of every 100 homes for sale have found a buyer. The other 72 are still waiting. Your offer may be the only one on the table. Few sellers are dropping their price. Asking prices are holding firm. Your discount will come from one stale listing, not from the whole market.

A typical Silverthorne home takes 50 days to find a buyer. Half of them take even longer. Those sellers are paying to own a house they want to sell. Search for homes listed 60+ days ago. There are 187 homes for sale in Silverthorne. That is 5.7 times the tightest month on record, but below the peak of 271. Supply is shrinking against last year.

What to do about it

• Search Silverthorne homes listed 60+ days ago that have already cut their price.
• Offer below the reduced price.
• Keep your inspection and financing contingencies.
• Ask the seller to pay closing costs.
• You can lose a few offers here and still win.

Is now a good time to buy in Silverthorne?

Asking prices are 22.4% below their Nov 2016 peak. You are not buying at the top. Prices are still falling. Waiting has paid off so far. Let listings age, then come back lower. Silverthorne prices have risen in 81 of the last 108 months. Drops here have been short and shallow. Buying in a slow month has rarely hurt a long hold.

There is no rush. Prices are still coming down. Watch the homes you like. Come back after they cut. Let the seller move first.

Who will rent from you in Silverthorne?

In Silverthorne, 26 out of every 100 households rent. Most own their home. The renter share is shrinking. Five years ago it was 34 in 100. Renter households here average 3.0 people. Families rent here. Buy bedrooms, not studios.

Households grew 22% in five years. The housing stock grew 9%. Demand is outrunning supply. 46.3% of homes sit empty. Tenants have options. Budget extra weeks of vacancy between leases.

The median Silverthorne household earns $105,897 a year. Incomes here have grown 6.3% a year since 2019. Incomes are rising faster than home prices. Affordability is improving. A typical home costs 8.9 times the median income. Most locals cannot buy. That keeps rental demand deep. It also caps the rent they can pay. A tenant on the median income can pay about $2,647 a month. That is the standard 30% affordability line. Rents above it thin your tenant pool fast.

That is the market, not your address. Run an address through the app to see its rent estimate and cash flow.

What numbers should you underwrite a Silverthorne deal with?

• Price growth to assume — +2.5%/yr. Silverthorne grew 7.4% a year over the decade. Ignore that rate. Most of it landed in the 2020 and 2021 boom. Without the boom, Silverthorne grows about 2.5% a year. That is the number to type in. Prices fell 9.1% over the last year. That is a timing signal, not a trend.
• Months of carrying cost — 2. A typical home takes 50 days to sell. Budget that long when you exit or refinance.
• Odds you cut your price to sell — 1 in 6. About 17% of homes on the Silverthorne market right now have already cut their asking price. Assume you are one of them when you sell. Do not underwrite an exit at your asking price.
• Comp on this, not median price — $633/sqft. The typical Silverthorne listing shrank from 2,786 to 1,521 sqft since Jul 2016. So median price hides real growth: 102% per sqft versus 15% on the median. Comp on median price and you will overpay for small homes.
• Competition when you exit — -3%. That is how much the number of homes for sale shrank in a year. Your resale will face a smaller crowd than today's comps did.
• Price-to-income ratio — 8.9×. A typical home costs 8.9 times the median income. Most locals cannot buy. That keeps rental demand deep. It also caps the rent they can pay. Incomes are rising faster than home prices. Affordability is improving.
• Tenant rent ceiling — $2,647/mo. 30% of the median household income of $105,897. Rents above this line shrink your tenant pool fast.

Is Silverthorne a buyer's or seller's market in 2026?

Yes, if you negotiate. Buyers have the upper hand in Silverthorne right now. 28 out of every 100 homes for sale have a buyer, 17% of sellers have cut their price, and a typical home takes 50 days to sell.

Are Silverthorne home prices going up or down?

Asking prices are 22.4% below their Nov 2016 peak. You are not buying at the top. Prices are still falling. Waiting has paid off so far. Let listings age, then come back lower.

What price growth should I assume for Silverthorne?

Assume +2.5% a year. Silverthorne grew 7.4% a year over the decade. Ignore that rate. Most of it landed in the 2020 and 2021 boom. Without the boom, Silverthorne grows about 2.5% a year. That is the number to type in. Prices fell 9.1% over the last year. That is a timing signal, not a trend.

How fast are homes selling in Silverthorne?

A typical Silverthorne home takes 50 days to find a buyer. Half of them take even longer. Those sellers are paying to own a house they want to sell. Search for homes listed 60+ days ago.

Is Silverthorne a renters' market or an owners' market?

In Silverthorne, 26 out of every 100 households rent. Most own their home. The renter share is shrinking. Five years ago it was 34 in 100. 46.3% of homes sit empty. Tenants have options. Budget extra weeks of vacancy between leases.

What rent can Silverthorne tenants afford?

A tenant on the median income can pay about $2,647 a month. That is the standard 30% affordability line. Rents above it thin your tenant pool fast. The median Silverthorne household earns $105,897 a year.