The Verdict · Denver, CO
$1,332–$1,952
real monthly · incl. fees + insurance
4.1★
119 Google reviews
Higher property crime
worth watching
A solidly reviewed community where the real cost runs ~$176 over sticker, and elevated property crime is the risk to plan for.
Looking for renters insurance?
About $13/mo here — the one thing worth sorting before you sign.
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Mercer at Union Station Apartments.
“This property is in the best location, has modern finishes/great interiors, and competitive pricing for a downtown apartment building. The staff are amazing!!! No question, offer, update, or resources goes unanswered and service with a smile from Ryan, Misty, Daniel, and CJ. They are seriously the …”
“Touring was the best decision I made yet! I didn’t leave with one question! It was everything you expected from an apartment tour and more! Ryan Holt is the leasing manager and he’s great! Mercer is clean, very nice, great views and affordable in this time and age. The view from the sky deck even a…”
“The outfit here runs a smooth operation. Mysti, Ryan, Daniel, and the maintenance team all do a great job. My personal highlights would be the 24 hour gym (You won't find a nice squat rack a yoga studio at every apartment community), and the central downtown location. King Soopers and Whole Foods a…”
“I love living at Mercer! The staff are crazy helpful and very quick to respond to any questions I have. The events are always so fun and exciting. I would recommend anyone and everyone to come live at Mercer!! Ryan, Daniel, and Mysti amazing in the office and Jerome is fantastic when it comes to my…”
“Moving out after living here for 1 year and 3 months. This spot is in a great location due to its close proximity to Downtown Denver, while also being an affordable option. They have a good gym and free washer/dryers to use if you don’t have one in your unit. They also have a sky deck with a great …”
What reviews flag most
Mined from 5 recent reviews · 119 total on Google. Longer bars mean the topic comes up more often — this is a read on what gets mentioned, not a summary of every review.
On maintenance, the review consensus is consistently positive in reviews — one resident wrote: “Mysti, Ryan, Daniel, and the maintenance team all do a great job.”.
2059 19th St, Denver, CO 80202
Downtown Denver
What Mercer at Union Station Apartments Really Costs
The sticker rent isn't the whole number. Here's what Mercer at Union Station Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$13/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Mercer at Union Station Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Internet Services
Amount for internet services provided by community. Charged per unit.
Package Services
Amount for package services. Charged per unit. Payable to 3r d Party
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Utility - Electric
Usage-Based (Utilities).Amount for provision and consumption of electricity. Charged per unit.
Utility - Gas
Usage-Based (Utilities).Amount for provision and consumption of natural gas. Charged per unit.
Trash Services - Hauling
Usage-Based (Utilities).Amount for shared trash/waste servic es. Charged per unit. Payable to 3rd Party
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Utility - Stormwater/Drainage
Usage-Based (Utilities).Amount for provision of storm water services. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Utility - New Account Fee
Amount to establish utility services. Charged per unit.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Utility - Final Bill Fee
Amount billed to calculate final utility statement. Charged per unit.
Pets Fees
Pet Deposit (Refundable)
Max of 1. Amount for pet living in rental home. May be asses sed per pet or per rental home, based on lease requirements. Refunds processed per lease terms. Charged per unit.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per uni t.
Parking Fees
Parking Fee
Max of 2. Amount for covered parking space/services. May be subject to availability. Charged per rentable item.
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram. Charged per unit.
Short Term Rental
Amount for rental home occupancy for a shorter lease term. M ay be subject to availability. Charged per unit.
Guest Suite Rental
Amount to rent guest suite; per night. May be subject to ava ilability. Charged per night.
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhou se. May be subject to availability. Charged per unit.
Security Deposit Alternative
Amount for alternate program in lieu of paying a traditional security deposit. Charged per unit. Payable to 3rd Party
Situational Fees
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Month-to-Month Fee
Amount, in addition to base rent, for a month-to-month lease Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease terms Charged per unit.
Payment Services - Alternative
Amount for using a third party rent payment installment prog ram (i.e. Flex, Jetty Rent). Charged per unit. Payable to 3rd Party
Safety & Property Crime
For a renter, property crime is what you actually feel day to day — a car broken into overnight, a package lifted off the step, a bike gone from storage, or how the walk from the lot feels after dark. Here's how Denver looks on the theft-related crimes that touch renters most.
These are city-level figures from the FBI's Uniform Crime Reporting program — not block-by-block. Your specific street may run calmer or rougher than the citywide rate.
Denver property crime
4,249
per 100K residents
U.S. avg 1,578 / 100K
Breakdown per 100K residents
U.S. average
The practical takeaways here are the unglamorous ones: park in lit areas, use a parcel locker if the community offers one, and don't leave anything visible in the car. Mercer at Union Station Apartments's on-site security (Controlled access) helps on the margin.
Source · FBI UCR · Denver · 2024-12 to 2025-11
On-Site Security
Natural Hazards to Plan For
The seismic picture at Mercer at Union Station Apartments is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
Source · FEMA NFHL
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Source · USGS NSHM
Moderate seismic hazard · ground motion 0.12g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
Severe-weather activity in Denver County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source · NOAA Storm Events · 5-yr averages for Denver County
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
Renters Insurance at Mercer at Union Station Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Mercer at Union Station Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 4249/100K (169% above national average)
What You'll Likely Pay
$13
Est. monthly
$157
Est. annual
$15
State avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for Mercer at Union Station Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Mercer at Union Station Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $103/yr |
| USAA | $10/mo | $116/yr |
| State Farm | $13/mo | $154/yr |
| Progressive | $14/mo | $167/yr |
| Safeco | $14/mo | $167/yr |
| Travelers | $15/mo | $180/yr |
| Allstate | $16/mo | $193/yr |
| Nationwide | $16/mo | $193/yr |
| Farmers | $17/mo | $206/yr |
| Liberty Mutual | $19/mo | $231/yr |
Discounts You May Qualify For
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See if you can beat $13/mo
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Pet Policy
Bringing a pet? Here's what Mercer at Union Station Apartments allows, along with the deposits and monthly pet rent to budget for.
About Mercer at Union Station Apartments
From the property listing:
Check out Mercer at Union Station. The 2059 19th St location in the LoDo neighborhood of Denver is convenient to everything. The professional leasing staff will assist you in finding your perfect home. Contact us today to see available floor plans and find your new place at Mercer at Union Station.
Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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