Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Colorado
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Colorado ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Crowley County | $346 | $106,700 | 0.492% |
| 2 | Baca County | $361 | $122,000 | 0.407% |
| 3 | Bent County | $382 | $137,900 | 0.386% |
| 4 | Prowers County | $393 | $150,900 | 0.327% |
| 5 | Sedgwick County | $399 | $142,700 | 0.470% |
| 6 | Otero County | $406 | $160,700 | 0.322% |
| 7 | Conejos County | $419 | $162,100 | 0.404% |
| 8 | Costilla County | $419 | $171,300 | 0.310% |
| 9 | Kiowa County | $421 | $148,600 | 0.580% |
| 10 | Saguache County | $464 | $200,000 | 0.340% |
| 11 | Cheyenne County | $465 | $187,100 | 0.461% |
| 12 | Las Animas County | $467 | $214,500 | 0.244% |
| 13 | Dolores County | $490 | $231,900 | 0.241% |
| 14 | Rio Grande County | $499 | $215,400 | 0.415% |
| 15 | Washington County | $502 | $218,300 | 0.408% |
| 16 | Jackson County | $506 | $250,000 | 0.205% |
| 17 | Alamosa County | $509 | $218,800 | 0.442% |
| 18 | Yuma County | $510 | $215,600 | 0.475% |
| 19 | Lincoln County | $517 | $232,100 | 0.382% |
| 20 | Rio Blanco County | $526 | $243,400 | 0.344% |
| 21 | Kit Carson County | $526 | $221,400 | 0.515% |
| 22 | Logan County | $528 | $228,100 | 0.470% |
| 23 | Huerfano County | $530 | $256,700 | 0.275% |
| 24 | Moffat County | $572 | $262,500 | 0.430% |
| 25 | Phillips County | $575 | $255,300 | 0.495% |
| 26 | Fremont County | $590 | $282,100 | 0.383% |
| 27 | Pueblo County | $603 | $271,800 | 0.508% |
| 28 | Montezuma County | $605 | $308,100 | 0.297% |
| 29 | Delta County | $622 | $318,000 | 0.310% |
| 30 | Morgan County | $650 | $299,300 | 0.526% |
| 31 | Mesa County | $688 | $349,400 | 0.388% |
| 32 | Montrose County | $691 | $357,900 | 0.358% |
| 33 | Custer County | $694 | $358,800 | 0.362% |
| 34 | San Juan County | $739 | $406,900 | 0.294% |
| 35 | Lake County | $762 | $401,300 | 0.385% |
| 36 | Mineral County | $768 | $413,000 | 0.354% |
| 37 | Hinsdale County | $783 | $438,800 | 0.293% |
| 38 | El Paso County | $814 | $431,000 | 0.411% |
| 39 | Teller County | $814 | $445,000 | 0.356% |
| 40 | Archuleta County | $818 | $451,400 | 0.341% |
| 41 | Gilpin County | $857 | $512,600 | 0.230% |
| 42 | Weld County | $869 | $444,500 | 0.504% |
| 43 | Park County | $872 | $489,300 | 0.343% |
| 44 | Grand County | $899 | $507,200 | 0.348% |
| 45 | Garfield County | $908 | $490,600 | 0.427% |
| 46 | La Plata County | $920 | $549,100 | 0.264% |
| 47 | Adams County | $928 | $458,400 | 0.604% |
| 48 | Chaffee County | $994 | $598,500 | 0.278% |
| 49 | Gunnison County | $994 | $597,200 | 0.282% |
| 50 | Larimer County | $1,002 | $532,200 | 0.500% |
| 51 | Arapahoe County | $1,004 | $526,000 | 0.526% |
| 52 | San Miguel County | $1,005 | $613,100 | 0.261% |
| 53 | Clear Creek County | $1,006 | $572,800 | 0.377% |
| 54 | Denver County | $1,058 | $586,700 | 0.442% |
| 55 | Ouray County | $1,090 | $670,100 | 0.277% |
| 56 | Jefferson County | $1,100 | $604,400 | 0.474% |
| 57 | Elbert County | $1,178 | $664,600 | 0.449% |
| 58 | Broomfield County | $1,216 | $631,600 | 0.616% |
| 59 | Routt County | $1,239 | $756,200 | 0.329% |
| 60 | Douglas County | $1,249 | $674,000 | 0.550% |
| 61 | Boulder County | $1,303 | $713,900 | 0.535% |
| 62 | Summit County | $1,358 | $850,700 | 0.310% |
| 63 | Eagle County | $1,376 | $814,700 | 0.410% |
| 64 | Pitkin County | $1,824 | $1,131,200 | 0.393% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Colorado