Total monthly cost of ownership
Cost to Own a Home in Sterling Ranch, Colorado
A $795,000 home here costs
$5,725per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $4,087. The real number is $1,638 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.
Sterling Ranch against Douglas County and Colorado
| Measure | Sterling Ranch | Douglas County |
|---|---|---|
| Median home value | $794,800 | $674,000 |
| Median property tax | $6,373 | $3,707 |
| Effective tax rate | 0.802% | 0.550% |
| Median gross rent | — | $2,095 |
| Population | 2,530 | 368,283 |
The weather behind that power bill
Sterling Ranch sits in Douglas County, which averages a high of 85.7°F in its hottest month and a low of 18.0°F in its coldest, with 17.6" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 498 cooling and 6,103 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Douglas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Douglas County
Full Douglas County cost breakdown · Every county in Colorado
Common questions
How much does it cost to own a home in Sterling Ranch?
A $795,000 home in Sterling Ranch, Colorado costs approximately $5,725 per month with 20% down at 6.66%. That is $4,087 principal and interest, $531 property tax, $231 homeowners insurance, $213 utilities and $663 set aside for maintenance.
What is the property tax rate in Sterling Ranch?
Sterling Ranch has an effective property tax rate of 0.802%, based on a median home value of $794,800 and median real estate taxes of $6,373. That is higher than the Douglas County average of 0.550%.
What is the average home price in Sterling Ranch?
The median owner-occupied home value in Sterling Ranch, Colorado is $794,800, against $674,000 across Douglas County.
Is it cheaper to rent or buy in Sterling Ranch?
Rent data is not published for Sterling Ranch at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Sterling Ranch — 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.