Insulation Installers in the Fort Collins area earn a median of $49,320 a year, 2% above the typical U.S. metro. That ranks #43 of 106 metros for insulation installer pay nationwide.
Within driving distance, the same work pays more in Denver and Colorado Springs, but less in Cheyenne.
It's one of 3 Colorado metros with published pay for this trade; see insulation installers across Colorado.
Insulation Installer pay in Fort Collins at a glance
- Insulation installers in the Fort Collins, CO metro earn a median $49,320 a year ($23.71 an hour), #43 of 106 U.S. metros (BLS, May 2025).
- The middle 80% earn between $37,810 and $63,560.
- After local prices, that median buys what $48,770 would in a typical U.S. place (BEA, 2024).
- A typical 1-bedroom rents for $1,589 a month, 39% of the median pay (HUD, FY2027).
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Enter a rate to see where it falls among insulation installers in Fort Collins.
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What this means Our calculation
Pay for insulation installers here is above average compared with other U.S. metros, but high local prices take back much of it: on buying power it's below average. For the wider job market, unemployment is about the same as in most metros (3.9%) and the population is growing faster than most (+4.8% since 2020). On your own, you'd join about 25 one-person building equipment installation businesses averaging $161,360 in revenue, and you'd need to bill roughly $65/hour to match the median salary (at our default assumptions).
Fort Collins scorecard for insulation installers Our calculation
Grades compare Fort Collins with every other U.S. metro for this trade (A = top 20%).
Pay Government data
Pay range
Shaded: the middle half of workers. Grey line: typical U.S. metro ($48,305).
Pay over time
The median pay for insulation installers in the Fort Collins area went from $37,170 in 2021 to $49,320 in 2025, up 32.7%. Prices rose 19% over the same period, so after inflation that's +11.1% — a real raise. Some years are missing because BLS redrew or didn't publish this metro.
BLS OEWS, May 2021–May 2025; inflation: CPI-U (May to May). Year-to-year changes can include survey noise.
Compared with nearby metros
What the pay is really worth in Fort Collins Our calculation
Prices in Fort Collins run 1% above the U.S. average. Adjusted for that, a median paycheck here buys what $48,770 would in a typical place, ranking #76 of 105 on real pay.
Real pay or rent burden?
Real pay already accounts for housing, because the price index includes rent. Rent burden shows what share of pay a typical 1-bedroom takes. Use either one, not both together.
Want the full picture? Build a monthly budget for Fort Collins from this pay, local rent and prices.
What insulation installers do
Line and cover structures with insulating materials. May work with batt, roll, or blown insulation materials.
Most important day-to-day tasks
- Measure and cut insulation for covering surfaces, using tape measures, handsaws, power saws, knives, or scissors.
- Fit, wrap, staple, or glue insulating materials to structures or surfaces, using hand tools or wires.
- Cover and line structures with blown or rolled forms of materials to insulate against cold, heat, or moisture, using saws, knives, rasps, trowels, blowers, or other tools and implements.
- Distribute insulating materials evenly into small spaces within floors, ceilings, or walls, using blowers and hose attachments, or cement mortars.
- Move controls, buttons, or levers to start blowers and regulate flow of materials through nozzles.
Outlook & getting started
Nationally, insulation installer jobs are projected to grow 2.4% from 2025 to 2035 (all jobs: 3.5%), with about 3,000 openings a year. About 2% are self-employed.
What the work is like Government data
How often insulation installers deal with each condition, from surveys of workers in the job.
Getting started usually takes some preparation (high school plus months of training).
O*NET 31.0 Work Context and Job Zones (U.S. Department of Labor), national.
Licensing in Colorado Official source
The main state licensing office in Colorado is the Colorado Division of Professions and Occupations. The state licenses electricians and plumbers; general contractors are licensed locally. It can point you to the right license for insulation installers.
Official Colorado licensing site ↗
Requirements for insulation installers vary by state and sometimes by city; always confirm with the official agency.
On-the-job safety Government data
Nationally, insulation installers have 312 injuries or illnesses serious enough to miss work per 10,000 full-time workers, 3.6× the rate for all jobs (87). The most common cause is falls, slips and trips.
BLS Survey of Occupational Injuries and Illnesses, 2023–2024 (national, cases with days away from work).
Highest-paying CO metros for insulation installers
| Metro | Median | Real pay | Jobs |
|---|---|---|---|
| Colorado SpringsCOLORADO · CO | $59,440 | $59,023 | 140 |
| DenverCOLORADO · CO | $51,740 | $48,912 | 730 |
| Fort CollinsCOLORADO · CO | $49,320 | $48,770 | 70 |
See every metro in Colorado.
How much work is there? Government data
Local job market
The Fort Collins area's unemployment rate was 3.9% in 2025 (all workers, not just insulation installers), below the typical U.S. metro's 4.1%. It was 5.0% in 2021.
BLS Local Area Unemployment Statistics, annual averages 2021–2025 (2025 preliminary).
Getting to work
The average commute in the Fort Collins area is 24 minutes each way, about the same as the typical metro (24 min). 14% of commuters spend 45 minutes or more. 67% drive alone, 1% take transit and 21% work from home (all workers, not just trades).
Census American Community Survey, 2024 1-year estimates (table S0801).
Population
The Fort Collins area's population grew 4.8% from 2020 to 2025 (359,942 → 377,292), ranking #103 of 387 metros for growth (typical metro +2.5%). People moving in (net +15,571) account for most of the change.
Census Bureau population estimates, July 1 of each year, 2020–2025.
Homes in Fort Collins
The Fort Collins area has about 170,169 homes. 30% were built before 1980 (typical metro 45%), so its housing is newer than most; 21% were built in 2010 or later. 63% of households own their home, and the median home value is $610,000.
Census American Community Survey, 2024 1-year estimates (table DP04).
New construction
New-home permits in Fort Collins are down 24% from 2021 to 2025 (3,221 → 2,436).
In 2025 the Fort Collins area approved permits for 2,436 new homes (985 single-family), or 6.6 per 1,000 residents, ranking #91 of 393 metros, among the busiest building markets in the country.
Competition
In 2024 the area had 25 one-person businesses (no employees) in building equipment installation, averaging $161,360 a year in revenue before expenses. See how Fort Collins compares among the best cities to start an insulation installer business.
They compete with 8 building equipment installation companies that have employees (about 51 workers in total). 38% of those companies have fewer than 5 employees.
Working outdoors in Fort Collins Government data
In an average year, Fort Collins has 30 days at 90°F or hotter (about typical; typical metro 33), 150 nights below freezing (typical 90) and 37 days with a tenth of an inch of rain or more, and 51 inches of snow. Summer afternoons average 85°F and winter nights 19°F. That matters for insulation installers: heat and freezes shape the working season and the hours.
NOAA U.S. Climate Normals, 1991–2020 averages, Ft Collins, CO station. Compare cities on outdoor work weather.
Employee vs. working for yourself Your scenario
A model, not a market rate. It shows the break-even rate to match a $49,320 employee salary once you cover what an employer normally pays for (including the employer half of Social Security and Medicare, 7.65%), then adds your profit margin. Change any number.
Break-even rate
With your profit margin
How this calculator works. Weighing a contractor job against a W-2 one? Try the 1099 vs. W-2 comparison. Billable hours are hours you can charge a customer. Driving, quoting, paperwork and slow weeks aren't billable, which is why 1,400 is a common starting point versus 2,080 paid hours as an employee.
Get insulation installer pricing & estimate templates →Compare Fort Collins with another city →
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ToolFort Collins budgetMonthly take-home, HUD rent and local prices on this pay.About this data
Local to the Fort Collins metro: pay (BLS, May 2025) and pay over time (2020–2025, CPI-adjusted), prices (BEA, 2024), rent (HUD, FY2027), new construction, housing, population and commuting (Census), unemployment (BLS) and business counts (Census, by industry). National: job outlook and training (BLS projections), injury rates (BLS) and duties (O*NET). Jobs are employment estimates, not open positions; grades rank Fort Collins against every other metro for insulation installers. Every source, year and formula is on our data page.