Total monthly cost of ownership
Cost to Own a Home in Brush, Colorado
A $265,000 home here costs
$1,996per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,362. The real number is $633 higher every month — 46% 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.
Brush against Morgan County and Colorado
| Measure | Brush | Morgan County |
|---|---|---|
| Median home value | $265,300 | $299,300 |
| Median property tax | $1,469 | $1,574 |
| Effective tax rate | 0.554% | 0.526% |
| Median gross rent | $1,048 | $1,092 |
| Population | 5,299 | 29,186 |
The weather behind that power bill
Brush sits in Morgan County, which averages a high of 90.2°F in its hottest month and a low of 12.7°F in its coldest, with 14.28" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 817 cooling and 6,321 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Morgan County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Morgan County
Full Morgan County cost breakdown · Every county in Colorado
Common questions
How much does it cost to own a home in Brush?
A $265,000 home in Brush, Colorado costs approximately $1,996 per month with 20% down at 6.66%. That is $1,362 principal and interest, $122 property tax, $77 homeowners insurance, $213 utilities and $221 set aside for maintenance.
What is the property tax rate in Brush?
Brush has an effective property tax rate of 0.554%, based on a median home value of $265,300 and median real estate taxes of $1,469. That is higher than the Morgan County average of 0.526%.
What is the average home price in Brush?
The median owner-occupied home value in Brush, Colorado is $265,300, against $299,300 across Morgan County.
Is it cheaper to rent or buy in Brush?
Median gross rent in Brush is $1,048 a month, against $1,996 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 Brush — 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.