Total monthly cost of ownership
Cost to Own a Home in Lochbuie, Colorado
A $374,000 home here costs
$2,710per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,923. The real number is $788 higher every month — 41% 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.
Lochbuie against Adams County and Colorado
| Measure | Lochbuie | Adams County |
|---|---|---|
| Median home value | $373,800 | $458,400 |
| Median property tax | $1,850 | $2,770 |
| Effective tax rate | 0.495% | 0.604% |
| Median gross rent | $1,609 | $1,713 |
| Population | 8,142 | 524,408 |
Lochbuie extends across 2 counties. Figures here use Adams County, where most of its housing sits.
The weather behind that power bill
Lochbuie sits in Adams County, which averages a high of 89.9°F in its hottest month and a low of 18.4°F in its coldest, with 14.48" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 850 cooling and 5,862 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Adams County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adams County
Common questions
How much does it cost to own a home in Lochbuie?
A $374,000 home in Lochbuie, Colorado costs approximately $2,710 per month with 20% down at 6.66%. That is $1,923 principal and interest, $154 property tax, $108 homeowners insurance, $213 utilities and $312 set aside for maintenance.
What is the property tax rate in Lochbuie?
Lochbuie has an effective property tax rate of 0.495%, based on a median home value of $373,800 and median real estate taxes of $1,850. That is lower than the Adams County average of 0.604%.
What is the average home price in Lochbuie?
The median owner-occupied home value in Lochbuie, Colorado is $373,800, against $458,400 across Adams County.
Is it cheaper to rent or buy in Lochbuie?
Median gross rent in Lochbuie is $1,609 a month, against $2,710 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 Lochbuie — 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.