Total monthly cost of ownership
Cost to Own a Home in Pueblo, Colorado
A $231,000 home here costs
$1,810per 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 $77,500 a year.
A standard mortgage calculator would have told you $1,269. The real number is $540 higher every month, 43% more than the payment most buyers budget for.
Compare Pueblo County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Pueblo against Pueblo County and Colorado
| Measure | Pueblo | Pueblo County |
|---|---|---|
| Median home value | $230,900 | $271,800 |
| Median property tax | $1,165 | $1,382 |
| Effective tax rate | 0.505% | 0.508% |
| Median gross rent | $1,020 | $1,059 |
| Population | 111,514 | 168,726 |
The weather behind that power bill
Pueblo sits in Pueblo County, which averages a high of 93.4°F in its hottest month and a low of 15.4°F in its coldest, with 12.02" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 1,078 cooling and 5,334 heating degree days, which is what sets the $116 electricity line above.
See the full climate breakdown for Pueblo County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pueblo County
Full Pueblo County cost breakdown · Every county in Colorado
Talk to someone who works this market
These are Pueblo 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 Pueblo every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pueblo I already own here and may sell
Common questions
How much does it cost to own a home in Pueblo?
A $231,000 home in Pueblo, Colorado costs approximately $1,810 per month with 20% down at 7.32%. That is $1,269 principal and interest, $97 property tax, $67 homeowners insurance, $184 utilities and $193 set aside for maintenance.
What is the property tax rate in Pueblo?
Pueblo has an effective property tax rate of 0.505%, based on a median home value of $230,900 and median real estate taxes of $1,165. That is in line with the Pueblo County average of 0.508%.
What is the average home price in Pueblo?
The median owner-occupied home value in Pueblo, Colorado is $230,900, against $271,800 across Pueblo County.
Is it cheaper to rent or buy in Pueblo?
Median gross rent in Pueblo is $1,020 a month, against $1,810 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 Pueblo?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pueblo, Colorado at today's rate takes a household income of roughly $77,500 a year. That covers the full $1,810 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pueblo, 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.