Taxes & Insurance in Commerce City
Commerce City carries the highest combined sales tax rate and highest effective property tax rate of the three markets in this batch, alongside Colorado's flat 4.40% state income tax and the same Front Range 'Hail Alley' homeowners-insurance exposure documented statewide.
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Learn moreThe highest effective property tax rate within Adams County
Commerce City carries the highest effective property tax rate of any community in Adams County at 0.95% -- against a countywide range of 0.60%-0.81% and a county low of 0.45% in Byers (Ownwell, Tax-Rates.org, retrieved 2026-08-24). This is a real, disclosed premium relative to other Adams County addresses, driven by overlapping school, metro, and special-district levies.
The highest combined sales tax rate in this batch, and a recent increase
The combined 2026 sales tax rate is 9.75% (2.90% state + 0.75% Adams County + 4.50% Commerce City + 1.60% special district), up from 9.25% effective January 2026 -- a real, recent 0.5-point increase (City of Commerce City official Sales & Use Tax page, retrieved 2026-08-24).
Colorado's flat state income tax, restated at the city level
Colorado's flat individual income tax rate is 4.40% for tax year 2026, subject to a TABOR-driven surplus mechanism -- a statewide fact, not a Commerce City-specific one, restated here as place-level context (Colorado Dept. of Revenue, same basis as colorado.js).
Front Range 'Hail Alley' homeowners insurance exposure applies here too
Commerce City sits inside the same Front Range "Hail Alley" corridor documented at the state level -- Colorado is cited as having the 4th-highest average homeowners premium in the nation, with statewide estimates ranging from roughly $3,200 to $4,600/year depending on methodology (colorado.js, same source basis). No Commerce City-specific premium figure separate from this statewide range was found this pass -- disclosed as a gap rather than guessed.
Key takeaways
- Commerce City carries the highest effective property tax rate within Adams County (0.95% vs. a 0.60%-0.81% countywide range).
- The combined sales tax rate (9.75%, up from 9.25% in January 2026) is the highest of the three markets in this batch.
- Colorado's flat 4.40% state income tax (2026) applies statewide, not as a city-specific cost.
- Front Range "Hail Alley" homeowners insurance exposure applies here as elsewhere on the Front Range; no Commerce City-specific premium figure was independently found this pass.
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