Total monthly cost of ownership
Cost to Own a Home in Stonegate, Colorado
A $614,000 home here costs
$4,375per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,157. The real number is $1,218 higher every month — 39% 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.
Stonegate against Douglas County and Colorado
| Measure | Stonegate | Douglas County |
|---|---|---|
| Median home value | $614,000 | $674,000 |
| Median property tax | $3,785 | $3,707 |
| Effective tax rate | 0.616% | 0.550% |
| Median gross rent | $2,482 | $2,095 |
| Population | 9,164 | 368,283 |
The weather behind that power bill
Stonegate 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 Stonegate?
A $614,000 home in Stonegate, Colorado costs approximately $4,375 per month with 20% down at 6.66%. That is $3,157 principal and interest, $315 property tax, $178 homeowners insurance, $213 utilities and $512 set aside for maintenance.
What is the property tax rate in Stonegate?
Stonegate has an effective property tax rate of 0.616%, based on a median home value of $614,000 and median real estate taxes of $3,785. That is higher than the Douglas County average of 0.550%.
What is the average home price in Stonegate?
The median owner-occupied home value in Stonegate, Colorado is $614,000, against $674,000 across Douglas County.
Is it cheaper to rent or buy in Stonegate?
Median gross rent in Stonegate is $2,482 a month, against $4,375 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 Stonegate — 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.