Total monthly cost of ownership
Cost to Own a Home in Eaton, Colorado
A $449,000 home here costs
$3,339per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $143,000 a year.
A standard mortgage calculator would have told you $2,487. The real number is $852 higher every month, 34% more than the payment most buyers budget for.
Compare Weld County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Eaton against Weld County and Colorado
| Measure | Eaton | Weld County |
|---|---|---|
| Median home value | $448,800 | $444,500 |
| Median property tax | $1,977 | $2,242 |
| Effective tax rate | 0.441% | 0.504% |
| Median gross rent | $1,710 | $1,469 |
| Population | 5,832 | 340,711 |
The weather behind that power bill
Eaton sits in Weld County, which averages a high of 90.0°F in its hottest month and a low of 9.4°F in its coldest, with 13.43" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 600 cooling and 6,855 heating degree days, which is what sets the $115 electricity line above.
See the full climate breakdown for Weld County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Weld County
Talk to someone who works this market
These are Eaton averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Eaton every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Eaton?
A $449,000 home in Eaton, Colorado costs approximately $3,339 per month with 20% down at 7.4%. That is $2,487 principal and interest, $165 property tax, $130 homeowners insurance, $183 utilities and $374 set aside for maintenance.
What is the property tax rate in Eaton?
Eaton has an effective property tax rate of 0.441%, based on a median home value of $448,800 and median real estate taxes of $1,977. That is lower than the Weld County average of 0.504%.
What is the average home price in Eaton?
The median owner-occupied home value in Eaton, Colorado is $448,800, against $444,500 across Weld County.
Is it cheaper to rent or buy in Eaton?
Median gross rent in Eaton is $1,710 a month, against $3,339 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Eaton?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Eaton, Colorado at today's rate takes a household income of roughly $143,000 a year. That covers the full $3,339 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Eaton, 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.