Total monthly cost of ownership
Cost to Own a Home in Pueblo, Colorado
A $231,000 home here costs
$1,758per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,188. The real number is $570 higher every month — 48% 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.
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 $145 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
Common questions
How much does it cost to own a home in Pueblo?
A $231,000 home in Pueblo, Colorado costs approximately $1,758 per month with 20% down at 6.66%. That is $1,188 principal and interest, $97 property tax, $67 homeowners insurance, $213 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 $1,758 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 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.