Total monthly cost of ownership
Cost to Own a Home in Fort Lupton, Colorado
A $372,000 home here costs
$2,694per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,912. The real number is $782 higher every month — 41% 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.
Fort Lupton against Weld County and Colorado
| Measure | Fort Lupton | Weld County |
|---|---|---|
| Median home value | $372,400 | $444,500 |
| Median property tax | $1,807 | $2,242 |
| Effective tax rate | 0.485% | 0.504% |
| Median gross rent | $1,296 | $1,469 |
| Population | 8,494 | 340,711 |
The weather behind that power bill
Fort Lupton 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 $145 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
Common questions
How much does it cost to own a home in Fort Lupton?
A $372,000 home in Fort Lupton, Colorado costs approximately $2,694 per month with 20% down at 6.66%. That is $1,912 principal and interest, $150 property tax, $108 homeowners insurance, $213 utilities and $310 set aside for maintenance.
What is the property tax rate in Fort Lupton?
Fort Lupton has an effective property tax rate of 0.485%, based on a median home value of $372,400 and median real estate taxes of $1,807. That is lower than the Weld County average of 0.504%.
What is the average home price in Fort Lupton?
The median owner-occupied home value in Fort Lupton, Colorado is $372,400, against $444,500 across Weld County.
Is it cheaper to rent or buy in Fort Lupton?
Median gross rent in Fort Lupton is $1,296 a month, against $2,694 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 Fort Lupton — 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.