Total monthly cost of ownership
Cost to Own a Home in Hayden, Colorado
A $394,000 home here costs
$2,906per 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 $124,500 a year.
A standard mortgage calculator would have told you $2,148. The real number is $758 higher every month, 35% more than the payment most buyers budget for.
Compare Routt County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Hayden from a five-year rolling sample, and with about 2,010 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Routt County figures are drawn from a far larger sample if you want a steadier number.
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 $116 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
Talk to someone who works this market
These are Hayden 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 Hayden every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Hayden I already own here and may sell
Common questions
How much does it cost to own a home in Hayden?
A $394,000 home in Hayden, Colorado costs approximately $2,906 per month with 20% down at 7.24%. That is $2,148 principal and interest, $132 property tax, $114 homeowners insurance, $184 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 $2,906 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 Hayden?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Hayden, Colorado at today's rate takes a household income of roughly $124,500 a year. That covers the full $2,906 monthly cost, not just the mortgage payment.
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.