Total monthly cost of ownership
Cost to Own a Home in Laporte, Colorado
A $373,000 home here costs
$2,820per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $121,000 a year.
A standard mortgage calculator would have told you $2,050. The real number is $771 higher every month, 38% more than the payment most buyers budget for.
Compare Larimer County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Laporte from a five-year rolling sample, and with about 2,123 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 Larimer 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.
Laporte against Larimer County and Colorado
| Measure | Laporte | Larimer County |
|---|---|---|
| Median home value | $373,100 | $532,200 |
| Median property tax | $2,015 | $2,662 |
| Effective tax rate | 0.540% | 0.500% |
| Median gross rent | $1,107 | $1,677 |
| Population | 2,123 | 363,561 |
The weather behind that power bill
Laporte sits in Larimer County, which averages a high of 74.3°F in its hottest month and a low of 10.0°F in its coldest, with 20.57" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 6 cooling and 10,054 heating degree days, which is what sets the $116 electricity line above.
See the full climate breakdown for Larimer County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Larimer County
Full Larimer County cost breakdown · Every county in Colorado
Talk to someone who works this market
These are Laporte 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 Laporte every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Laporte I already own here and may sell
Common questions
How much does it cost to own a home in Laporte?
A $373,000 home in Laporte, Colorado costs approximately $2,820 per month with 20% down at 7.32%. That is $2,050 principal and interest, $168 property tax, $108 homeowners insurance, $184 utilities and $311 set aside for maintenance.
What is the property tax rate in Laporte?
Laporte has an effective property tax rate of 0.540%, based on a median home value of $373,100 and median real estate taxes of $2,015. That is higher than the Larimer County average of 0.500%.
What is the average home price in Laporte?
The median owner-occupied home value in Laporte, Colorado is $373,100, against $532,200 across Larimer County.
Is it cheaper to rent or buy in Laporte?
Median gross rent in Laporte is $1,107 a month, against $2,820 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 Laporte?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Laporte, Colorado at today's rate takes a household income of roughly $121,000 a year. That covers the full $2,820 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Laporte, 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.