Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Colorado
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Colorado ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Crowley County | 37.8% | $346 | $916 |
| 2 | Baca County | 35.7% | $361 | $1,012 |
| 3 | Kiowa County | 34.7% | $421 | $1,215 |
| 4 | Sedgwick County | 34.4% | $399 | $1,161 |
| 5 | Bent County | 34.2% | $382 | $1,118 |
| 6 | Prowers County | 32.8% | $393 | $1,199 |
| 7 | Conejos County | 32.6% | $419 | $1,285 |
| 8 | Otero County | 32.1% | $406 | $1,264 |
| 9 | Cheyenne County | 31.7% | $465 | $1,463 |
| 10 | Costilla County | 31.4% | $419 | $1,334 |
| 11 | Kit Carson County | 30.8% | $526 | $1,708 |
| 12 | Yuma County | 30.7% | $510 | $1,661 |
| 13 | Alamosa County | 30.3% | $509 | $1,677 |
| 14 | Saguache County | 30.3% | $464 | $1,532 |
| 15 | Rio Grande County | 30.3% | $499 | $1,649 |
| 16 | Logan County | 30.3% | $528 | $1,746 |
| 17 | Washington County | 30.1% | $502 | $1,667 |
| 18 | Phillips County | 29.7% | $575 | $1,938 |
| 19 | Lincoln County | 29.4% | $517 | $1,756 |
| 20 | Pueblo County | 29.4% | $603 | $2,054 |
| 21 | Las Animas County | 29.0% | $467 | $1,612 |
| 22 | Moffat County | 29.0% | $572 | $1,973 |
| 23 | Morgan County | 28.9% | $650 | $2,248 |
| 24 | Rio Blanco County | 28.8% | $526 | $1,825 |
| 25 | Dolores County | 28.3% | $490 | $1,728 |
| 26 | Fremont County | 28.1% | $590 | $2,096 |
| 27 | Huerfano County | 27.9% | $530 | $1,900 |
| 28 | Adams County | 27.5% | $928 | $3,375 |
| 29 | Jackson County | 27.5% | $506 | $1,841 |
| 30 | Mesa County | 26.9% | $688 | $2,553 |
| 31 | Montezuma County | 26.9% | $605 | $2,250 |
| 32 | Delta County | 26.8% | $622 | $2,320 |
| 33 | Weld County | 26.8% | $869 | $3,242 |
| 34 | Custer County | 26.6% | $694 | $2,609 |
| 35 | Montrose County | 26.6% | $691 | $2,602 |
| 36 | Broomfield County | 26.5% | $1,216 | $4,588 |
| 37 | Arapahoe County | 26.3% | $1,004 | $3,812 |
| 38 | Lake County | 26.2% | $762 | $2,904 |
| 39 | El Paso County | 26.1% | $814 | $3,115 |
| 40 | Larimer County | 26.1% | $1,002 | $3,843 |
| 41 | Mineral County | 25.8% | $768 | $2,973 |
| 42 | Douglas County | 25.8% | $1,249 | $4,847 |
| 43 | Garfield County | 25.7% | $908 | $3,527 |
| 44 | Teller County | 25.5% | $814 | $3,190 |
| 45 | Boulder County | 25.5% | $1,303 | $5,114 |
| 46 | Jefferson County | 25.4% | $1,100 | $4,327 |
| 47 | San Juan County | 25.4% | $739 | $2,912 |
| 48 | Archuleta County | 25.3% | $818 | $3,228 |
| 49 | Denver County | 25.2% | $1,058 | $4,190 |
| 50 | Hinsdale County | 25.0% | $783 | $3,125 |
| 51 | Park County | 25.0% | $872 | $3,484 |
| 52 | Grand County | 24.9% | $899 | $3,607 |
| 53 | Elbert County | 24.9% | $1,178 | $4,726 |
| 54 | Clear Creek County | 24.8% | $1,006 | $4,064 |
| 55 | Eagle County | 24.0% | $1,376 | $5,725 |
| 56 | La Plata County | 23.9% | $920 | $3,852 |
| 57 | Gilpin County | 23.8% | $857 | $3,593 |
| 58 | Gunnison County | 23.8% | $994 | $4,182 |
| 59 | Chaffee County | 23.7% | $994 | $4,189 |
| 60 | Routt County | 23.5% | $1,239 | $5,276 |
| 61 | San Miguel County | 23.5% | $1,005 | $4,278 |
| 62 | Ouray County | 23.4% | $1,090 | $4,667 |
| 63 | Pitkin County | 23.2% | $1,824 | $7,863 |
| 64 | Summit County | 23.0% | $1,358 | $5,899 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Colorado