Total monthly cost of ownership
Cost to Own a Home in Hayden, Colorado
A $394,000 home here costs
$2,813per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,026. The real number is $788 higher every month — 39% 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.
Hayden against Routt County and Colorado
| Measure | Hayden | Routt County |
|---|---|---|
| Median home value | $394,400 | $756,200 |
| Median property tax | $1,587 | $2,490 |
| Effective tax rate | 0.402% | 0.329% |
| Median gross rent | $1,680 | $1,845 |
| Population | 2,010 | 24,990 |
The weather behind that power bill
Hayden sits in Routt County, which averages a high of 83.1°F in its hottest month and a low of 4.6°F in its coldest, with 24.68" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 75 cooling and 8,872 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Routt County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Routt County
Common questions
How much does it cost to own a home in Hayden?
A $394,000 home in Hayden, Colorado costs approximately $2,813 per month with 20% down at 6.66%. That is $2,026 principal and interest, $132 property tax, $114 homeowners insurance, $213 utilities and $328 set aside for maintenance.
What is the property tax rate in Hayden?
Hayden has an effective property tax rate of 0.402%, based on a median home value of $394,400 and median real estate taxes of $1,587. That is higher than the Routt County average of 0.329%.
What is the average home price in Hayden?
The median owner-occupied home value in Hayden, Colorado is $394,400, against $756,200 across Routt County.
Is it cheaper to rent or buy in Hayden?
Median gross rent in Hayden is $1,680 a month, against $2,813 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 Hayden — 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.