Summit County
Summit County, Colorado Homes: Breckenridge, Frisco, Silverthorne, Dillon, Keystone
Summit County's five towns sit on I-70 and CO-9 near Dillon Reservoir, 86 to 106 minutes from downtown Denver without traffic.
A live person answers. Not a robot, not a phone tree. Updated September 2026.
Photos: Ski lift climbing the mountain with snowy peaks, morning light, Live Kaiah (Unsplash).
Summit County's single-family median sale price was $1,887,500 for Jan-Aug 2026 (Colorado Association of REALTORS). Zillow's typical home value in August 2026 ran from $822,000 (ZIP 80435, Dillon and Keystone) to $1,187,000 in Breckenridge, and every town requires a short-term rental license.
$1,887,500.
Single-family median sale price, Jan-Aug 2026 (Colorado Association of REALTORS).
Silverthorne, 86 minutes.
67.1 miles to downtown Denver without traffic, OSRM route.
Frisco at cap since 2023.
Frisco reached its 25% cap in February 2023 and runs a waitlist.
Keystone, 2024.
Keystone incorporated as a home-rule town on Feb. 8, 2024.
| Town | Area | To downtown Denver | Elevation | Typical home value |
|---|---|---|---|---|
| Silverthorne Summit County | Summit County | 67.1 mi / 86 min | 8,747 ft | $830,000 |
| Dillon Summit County | Summit County | 67.9 mi / 88 min | 9,127 ft | $828,000 |
| Frisco Summit County | Summit County | 70.7 mi / 91 min | 9,062 ft | $978,000 |
| Keystone Summit County | Summit County | 73.9 mi / 98 min | 9,169 ft | $822,000 |
| Breckenridge Summit County | Summit County | 79.3 mi / 106 min | 9,735 ft | $1,187,000 |
Drive: OSRM routing on OpenStreetMap to downtown Denver, without traffic (2026-09-24). Elevation: USGS point elevation at the town point. Typical home value: Zillow Home Value Index, August 2026 (a typical value, not a sale median; ZIP level for Kittredge, Black Hawk and Keystone). Population and sources for every town: in each town page.
The map
Where it is.
The highlighted towns are on this page. Tap any pin to open that town.
- Front Range foothills
- I-70 corridor
- Peak to Peak
- Summit County
- Resort
- Tap a town to open its page
Outline: U.S. Census Bureau. Roads from downtown Denver: OSRM on OpenStreetMap. Town points: OpenStreetMap and USGS. Drive times without traffic.
How do the five Summit County towns compare?
- Silverthorne. 86 minutes without traffic; 8,747 feet; Zillow typical value $830,000; 4,402 people in 2020.
- Dillon. 88 minutes; 9,127 feet; Zillow typical value $828,000; 1,064 people.
- Frisco. 91 minutes; 9,062 feet; Zillow typical value $978,000; 2,913 people.
- Keystone. 98 minutes; 9,169 feet; ZIP 80435 typical value $822,000 (shared with Dillon); 1,369 people.
- Breckenridge. 106 minutes; 9,735 feet; Zillow typical value $1,187,000; 5,078 people.
Drive: OSRM route to downtown Denver without traffic, Sept. 24, 2026. Values: Zillow ZHVI, August 2026. Population: 2020 Census.
What are the short-term rental rules in each town?
- Breckenridge. License required; the town caps non-exempt licenses at 2,200 across its zones, with waitlists where a zone is full.
- Frisco. License required; cap of 25% of housing stock, reached in February 2023, with a waitlist.
- Silverthorne. License required; capped at 10% of units in most neighborhoods (Area 1) and 50% in the Town Core and Riverfront (Area 2); none in deed-restricted neighborhoods.
- Dillon. License required; licenses expire May 31 each year.
- Keystone. Town license required, with no caps at this time; addresses outside town limits fall under Summit County's basin caps.
Confirm the license status of a specific unit with the town before you write an offer that depends on rental income.
What are the rules in unincorporated Summit County?
- Two license types. In the Neighborhood Overlay Zone, Type II licenses count under basin caps; Type I exception licenses do not.
- Basin caps. Lower Blue 550 (508 issued), Upper Blue 590 (563), Snake River 130 (137), Ten Mile 20 (24), as of January 2026 (Summit County).
- Waitlists. Lower Blue, Upper Blue and Snake River basins have waitlists for Type II licenses.
Who covers fire, water and winter roads?
- Fire. Summit Fire & EMS covers Copper Mountain, Dillon, Frisco, Keystone and Silverthorne; Red, White & Blue Fire covers Breckenridge.
- Dillon Reservoir. Denver Water's largest storage reservoir: 3,233 surface acres and 26.8 miles of shoreline, with marinas in Frisco and Dillon.
- Traction Law. CDOT's Traction Law is in effect every Sept. 1 through May 31 on I-70 from Dotsero to Morrison: 3/16-inch tread on winter, all-weather or M+S tires, or chains, or 4WD/AWD (CDOT, 2025).
- Water service. This site found no official source on wells in Summit County. Confirm water and sewer by address.
What should I check before buying in Summit County?
- STR license on the unit. Ask whether the seller's license transfers and whether the zone or basin has a waitlist.
- HOA rental rules. Condo and HOA covenants can ban or limit rentals on top of town rules. Read them before the objection deadline.
- Insurance quote first. Get a homeowners quote before the inspection deadline. The Colorado FAIR Plan covers homes that three standard insurers declined (Colorado FAIR Plan).
- Town or county. Confirm which jurisdiction licenses the address: the five towns and the county each run their own program.
Call or text the Kenna Real Estate Group at 303-955-4220 to ask what is for sale in Breckenridge, Frisco, Silverthorne, Dillon and Keystone now.
Questions
Quick answers.
Can I get a short-term rental license in Frisco?
Frisco reached its cap of 25% of housing stock in February 2023 and places new applicants on a waitlist.
Does Keystone cap short-term rentals?
The Town of Keystone requires a license and has no caps at this time. Addresses outside town limits fall under Summit County's basin caps.
What is the median home price in Summit County?
$1,887,500 for single-family homes, Jan-Aug 2026 (Colorado Association of REALTORS).
How far is Breckenridge from Denver?
79.3 miles and 106 minutes to downtown Denver without traffic (OSRM route, Sept. 24, 2026).
When did Keystone become a town?
Feb. 8, 2024, as a home-rule municipality.
Sources
- Colorado Association of REALTORS, Summit County market update, Jan-Aug 2026
- Zillow Research ZHVI, city typical home value, Aug 2026
- Town of Breckenridge: STR license caps
- Town of Frisco: short-term rentals
- Town of Silverthorne: STR licenses
- Town of Keystone: short-term rentals
- Summit County: STR regulations
- Town of Dillon: short-term rentals
Figures carry their source and date. Rules and prices change: the county, town or state office named above has the current version.
Go deeper
Where to go next.
Private consultation
Ask us about a mountain home.
303-955-4220A live person answers. Not a robot, not a phone tree.
- Every mountain town. Evergreen and Conifer to Summit County and Steamboat.
- Wildfire, water, winter. Insurance, well, septic and access checked before you offer.
- One point of contact. From the first call to the closing table.
Colorado Mountain Home Finder is part of the Kenna Real Estate Group at Keller Williams DTC (KWDTC).