Total monthly cost of ownership
Cost to Own a Home in Alamosa, Colorado
A $200,000 home here costs
$1,549per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,028. The real number is $521 higher every month — 51% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Alamosa against Alamosa County and Colorado
| Measure | Alamosa | Alamosa County |
|---|---|---|
| Median home value | $200,200 | $218,800 |
| Median property tax | $993 | $968 |
| Effective tax rate | 0.496% | 0.442% |
| Median gross rent | $881 | $904 |
| Population | 9,847 | 16,515 |
The weather behind that power bill
Alamosa sits in Alamosa County, which averages a high of 83.3°F in its hottest month and a low of -1.1°F in its coldest, with 7.41" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 71 cooling and 8,321 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Alamosa County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Alamosa County
Full Alamosa County cost breakdown · Every county in Colorado
Common questions
How much does it cost to own a home in Alamosa?
A $200,000 home in Alamosa, Colorado costs approximately $1,549 per month with 20% down at 6.66%. That is $1,028 principal and interest, $83 property tax, $58 homeowners insurance, $213 utilities and $167 set aside for maintenance.
What is the property tax rate in Alamosa?
Alamosa has an effective property tax rate of 0.496%, based on a median home value of $200,200 and median real estate taxes of $993. That is higher than the Alamosa County average of 0.442%.
What is the average home price in Alamosa?
The median owner-occupied home value in Alamosa, Colorado is $200,200, against $218,800 across Alamosa County.
Is it cheaper to rent or buy in Alamosa?
Median gross rent in Alamosa is $881 a month, against $1,549 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Alamosa — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Colorado.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.