Total monthly cost of ownership
Cost to Own a Home in Wellington, Colorado
A $443,000 home here costs
$3,194per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,277. The real number is $916 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.
Wellington against Larimer County and Colorado
| Measure | Wellington | Larimer County |
|---|---|---|
| Median home value | $442,500 | $532,200 |
| Median property tax | $2,460 | $2,662 |
| Effective tax rate | 0.556% | 0.500% |
| Median gross rent | $2,320 | $1,677 |
| Population | 11,538 | 363,561 |
The weather behind that power bill
Wellington sits in Larimer County, which averages a high of 74.3°F in its hottest month and a low of 10.0°F in its coldest, with 20.57" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 6 cooling and 10,054 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Larimer County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Larimer County
Full Larimer County cost breakdown · Every county in Colorado
Common questions
How much does it cost to own a home in Wellington?
A $443,000 home in Wellington, Colorado costs approximately $3,194 per month with 20% down at 6.66%. That is $2,277 principal and interest, $205 property tax, $128 homeowners insurance, $213 utilities and $369 set aside for maintenance.
What is the property tax rate in Wellington?
Wellington has an effective property tax rate of 0.556%, based on a median home value of $442,500 and median real estate taxes of $2,460. That is higher than the Larimer County average of 0.500%.
What is the average home price in Wellington?
The median owner-occupied home value in Wellington, Colorado is $442,500, against $532,200 across Larimer County.
Is it cheaper to rent or buy in Wellington?
Median gross rent in Wellington is $2,320 a month, against $3,194 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 Wellington — 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.