Total monthly cost of ownership
Cost to Own a Home in Fruita, Colorado
A $362,000 home here costs
$2,610per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,861. The real number is $749 higher every month — 40% 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.
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 $145 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
Common questions
How much does it cost to own a home in Fruita?
A $362,000 home in Fruita, Colorado costs approximately $2,610 per month with 20% down at 6.66%. That is $1,861 principal and interest, $129 property tax, $105 homeowners insurance, $213 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 $2,610 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 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.