Total monthly cost of ownership
Cost to Own a Home in Pueblo West, Colorado
A $372,000 home here costs
$2,808per 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 $120,500 a year.
A standard mortgage calculator would have told you $2,044. The real number is $763 higher every month, 37% 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 West against Pueblo County and Colorado
| Measure | Pueblo West | Pueblo County |
|---|---|---|
| Median home value | $371,600 | $271,800 |
| Median property tax | $1,941 | $1,382 |
| Effective tax rate | 0.522% | 0.508% |
| Median gross rent | $1,319 | $1,059 |
| Population | 34,992 | 168,726 |
The weather behind that power bill
Pueblo West 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 West 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 West every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pueblo West I already own here and may sell
Common questions
How much does it cost to own a home in Pueblo West?
A $372,000 home in Pueblo West, Colorado costs approximately $2,808 per month with 20% down at 7.32%. That is $2,044 principal and interest, $162 property tax, $108 homeowners insurance, $184 utilities and $310 set aside for maintenance.
What is the property tax rate in Pueblo West?
Pueblo West has an effective property tax rate of 0.522%, based on a median home value of $371,600 and median real estate taxes of $1,941. That is higher than the Pueblo County average of 0.508%.
What is the average home price in Pueblo West?
The median owner-occupied home value in Pueblo West, Colorado is $371,600, against $271,800 across Pueblo County.
Is it cheaper to rent or buy in Pueblo West?
Median gross rent in Pueblo West is $1,319 a month, against $2,808 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 West?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pueblo West, Colorado at today's rate takes a household income of roughly $120,500 a year. That covers the full $2,808 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pueblo West, 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.