Total monthly cost of ownership
Cost to Own a Home in Shaw Heights, Colorado
A $453,000 home here costs
$3,266per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,329. The real number is $937 higher every month — 40% 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.
Shaw Heights against Adams County and Colorado
| Measure | Shaw Heights | Adams County |
|---|---|---|
| Median home value | $452,700 | $458,400 |
| Median property tax | $2,577 | $2,770 |
| Effective tax rate | 0.569% | 0.604% |
| Median gross rent | $1,986 | $1,713 |
| Population | 5,309 | 524,408 |
The weather behind that power bill
Shaw Heights 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 Shaw Heights?
A $453,000 home in Shaw Heights, Colorado costs approximately $3,266 per month with 20% down at 6.66%. That is $2,329 principal and interest, $215 property tax, $131 homeowners insurance, $213 utilities and $378 set aside for maintenance.
What is the property tax rate in Shaw Heights?
Shaw Heights has an effective property tax rate of 0.569%, based on a median home value of $452,700 and median real estate taxes of $2,577. That is lower than the Adams County average of 0.604%.
What is the average home price in Shaw Heights?
The median owner-occupied home value in Shaw Heights, Colorado is $452,700, against $458,400 across Adams County.
Is it cheaper to rent or buy in Shaw Heights?
Median gross rent in Shaw Heights is $1,986 a month, against $3,266 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 Shaw Heights — 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.