Total monthly cost of ownership
Cost to Own a Home in Berthoud, Colorado
A $488,000 home here costs
$3,491per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,509. The real number is $982 higher every month — 39% 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.
Berthoud against Larimer County and Colorado
| Measure | Berthoud | Larimer County |
|---|---|---|
| Median home value | $487,700 | $532,200 |
| Median property tax | $2,646 | $2,662 |
| Effective tax rate | 0.543% | 0.500% |
| Median gross rent | $1,708 | $1,677 |
| Population | 11,684 | 363,561 |
Berthoud extends across 2 counties. Figures here use Larimer County, where most of its housing sits.
The weather behind that power bill
Berthoud sits in Larimer County, which averages a high of 74.3°F in its hottest month and a low of 10.0°F in its coldest, with 20.57" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 6 cooling and 10,054 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Larimer County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Larimer County
Full Larimer County cost breakdown · Every county in Colorado
Common questions
How much does it cost to own a home in Berthoud?
A $488,000 home in Berthoud, Colorado costs approximately $3,491 per month with 20% down at 6.66%. That is $2,509 principal and interest, $221 property tax, $142 homeowners insurance, $213 utilities and $407 set aside for maintenance.
What is the property tax rate in Berthoud?
Berthoud has an effective property tax rate of 0.543%, based on a median home value of $487,700 and median real estate taxes of $2,646. That is higher than the Larimer County average of 0.500%.
What is the average home price in Berthoud?
The median owner-occupied home value in Berthoud, Colorado is $487,700, against $532,200 across Larimer County.
Is it cheaper to rent or buy in Berthoud?
Median gross rent in Berthoud is $1,708 a month, against $3,491 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 Berthoud — 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.