Total monthly cost of ownership
Cost to Own a Home in Orchard City, Colorado
A $287,000 home here costs
$2,153per 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 $92,500 a year.
A standard mortgage calculator would have told you $1,565. The real number is $588 higher every month, 38% more than the payment most buyers budget for.
Compare Delta County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Orchard City from a five-year rolling sample, and with about 3,193 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 Delta 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.
Orchard City against Delta County and Colorado
| Measure | Orchard City | Delta County |
|---|---|---|
| Median home value | $286,500 | $318,000 |
| Median property tax | $986 | $986 |
| Effective tax rate | 0.344% | 0.310% |
| Median gross rent | $1,511 | $1,080 |
| Population | 3,193 | 31,353 |
The weather behind that power bill
Orchard City sits in Delta County, which averages a high of 85.6°F in its hottest month and a low of 19.0°F in its coldest, with 12.46" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 557 cooling and 6,428 heating degree days, which is what sets the $116 electricity line above.
See the full climate breakdown for Delta County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Delta County
Talk to someone who works this market
These are Orchard City 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 Orchard City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Orchard City I already own here and may sell
Common questions
How much does it cost to own a home in Orchard City?
A $287,000 home in Orchard City, Colorado costs approximately $2,153 per month with 20% down at 7.24%. That is $1,565 principal and interest, $82 property tax, $83 homeowners insurance, $184 utilities and $239 set aside for maintenance.
What is the property tax rate in Orchard City?
Orchard City has an effective property tax rate of 0.344%, based on a median home value of $286,500 and median real estate taxes of $986. That is higher than the Delta County average of 0.310%.
What is the average home price in Orchard City?
The median owner-occupied home value in Orchard City, Colorado is $286,500, against $318,000 across Delta County.
Is it cheaper to rent or buy in Orchard City?
Median gross rent in Orchard City is $1,511 a month, against $2,153 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 Orchard City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Orchard City, Colorado at today's rate takes a household income of roughly $92,500 a year. That covers the full $2,153 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Orchard City, 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.