Total monthly cost of ownership
Cost to Own a Home in Leadville, Colorado
A $375,000 home here costs
$2,688per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,928. The real number is $760 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.
Leadville against Lake County and Colorado
| Measure | Leadville | Lake County |
|---|---|---|
| Median home value | $374,700 | $401,300 |
| Median property tax | $1,506 | $1,544 |
| Effective tax rate | 0.402% | 0.385% |
| Median gross rent | $1,651 | $1,599 |
| Population | 2,634 | 7,411 |
The weather behind that power bill
Leadville sits in Lake County, which averages a high of 71.0°F in its hottest month and a low of 4.6°F in its coldest, with 13.52" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 0 cooling and 11,061 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Lake County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lake County
Common questions
How much does it cost to own a home in Leadville?
A $375,000 home in Leadville, Colorado costs approximately $2,688 per month with 20% down at 6.66%. That is $1,928 principal and interest, $126 property tax, $109 homeowners insurance, $213 utilities and $313 set aside for maintenance.
What is the property tax rate in Leadville?
Leadville has an effective property tax rate of 0.402%, based on a median home value of $374,700 and median real estate taxes of $1,506. That is higher than the Lake County average of 0.385%.
What is the average home price in Leadville?
The median owner-occupied home value in Leadville, Colorado is $374,700, against $401,300 across Lake County.
Is it cheaper to rent or buy in Leadville?
Median gross rent in Leadville is $1,651 a month, against $2,688 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 Leadville — 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.