Total monthly cost of ownership
Cost to Own a Home in Fruita, Colorado
A $362,000 home here costs
$2,693per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $115,500 a year.
A standard mortgage calculator would have told you $1,974. The real number is $719 higher every month, 36% more than the payment most buyers budget for.
Compare Mesa 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.
Fruita against Mesa County and Colorado
| Measure | Fruita | Mesa County |
|---|---|---|
| Median home value | $361,500 | $349,400 |
| Median property tax | $1,547 | $1,357 |
| Effective tax rate | 0.428% | 0.388% |
| Median gross rent | $1,275 | $1,154 |
| Population | 13,578 | 157,316 |
The weather behind that power bill
Fruita sits in Mesa County, which averages a high of 93.1°F in its hottest month and a low of 19.2°F in its coldest, with 8.89" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,284 cooling and 5,259 heating degree days, which is what sets the $116 electricity line above.
See the full climate breakdown for Mesa County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mesa County
Talk to someone who works this market
These are Fruita 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 Fruita every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Fruita I already own here and may sell
Common questions
How much does it cost to own a home in Fruita?
A $362,000 home in Fruita, Colorado costs approximately $2,693 per month with 20% down at 7.24%. That is $1,974 principal and interest, $129 property tax, $105 homeowners insurance, $184 utilities and $302 set aside for maintenance.
What is the property tax rate in Fruita?
Fruita has an effective property tax rate of 0.428%, based on a median home value of $361,500 and median real estate taxes of $1,547. That is higher than the Mesa County average of 0.388%.
What is the average home price in Fruita?
The median owner-occupied home value in Fruita, Colorado is $361,500, against $349,400 across Mesa County.
Is it cheaper to rent or buy in Fruita?
Median gross rent in Fruita is $1,275 a month, against $2,693 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 Fruita?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Fruita, Colorado at today's rate takes a household income of roughly $115,500 a year. That covers the full $2,693 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fruita, 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.