Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Colorado
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Colorado ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Summit County | 23.0% | $1,358 | $5,899 |
| 2 | Pitkin County | 23.2% | $1,824 | $7,863 |
| 3 | Ouray County | 23.4% | $1,090 | $4,667 |
| 4 | San Miguel County | 23.5% | $1,005 | $4,278 |
| 5 | Routt County | 23.5% | $1,239 | $5,276 |
| 6 | Chaffee County | 23.7% | $994 | $4,189 |
| 7 | Gunnison County | 23.8% | $994 | $4,182 |
| 8 | Gilpin County | 23.8% | $857 | $3,593 |
| 9 | La Plata County | 23.9% | $920 | $3,852 |
| 10 | Eagle County | 24.0% | $1,376 | $5,725 |
| 11 | Clear Creek County | 24.8% | $1,006 | $4,064 |
| 12 | Elbert County | 24.9% | $1,178 | $4,726 |
| 13 | Grand County | 24.9% | $899 | $3,607 |
| 14 | Park County | 25.0% | $872 | $3,484 |
| 15 | Hinsdale County | 25.0% | $783 | $3,125 |
| 16 | Denver County | 25.2% | $1,058 | $4,190 |
| 17 | Archuleta County | 25.3% | $818 | $3,228 |
| 18 | San Juan County | 25.4% | $739 | $2,912 |
| 19 | Jefferson County | 25.4% | $1,100 | $4,327 |
| 20 | Boulder County | 25.5% | $1,303 | $5,114 |
| 21 | Teller County | 25.5% | $814 | $3,190 |
| 22 | Garfield County | 25.7% | $908 | $3,527 |
| 23 | Douglas County | 25.8% | $1,249 | $4,847 |
| 24 | Mineral County | 25.8% | $768 | $2,973 |
| 25 | Larimer County | 26.1% | $1,002 | $3,843 |
| 26 | El Paso County | 26.1% | $814 | $3,115 |
| 27 | Lake County | 26.2% | $762 | $2,904 |
| 28 | Arapahoe County | 26.3% | $1,004 | $3,812 |
| 29 | Broomfield County | 26.5% | $1,216 | $4,588 |
| 30 | Montrose County | 26.6% | $691 | $2,602 |
| 31 | Custer County | 26.6% | $694 | $2,609 |
| 32 | Weld County | 26.8% | $869 | $3,242 |
| 33 | Delta County | 26.8% | $622 | $2,320 |
| 34 | Montezuma County | 26.9% | $605 | $2,250 |
| 35 | Mesa County | 26.9% | $688 | $2,553 |
| 36 | Jackson County | 27.5% | $506 | $1,841 |
| 37 | Adams County | 27.5% | $928 | $3,375 |
| 38 | Huerfano County | 27.9% | $530 | $1,900 |
| 39 | Fremont County | 28.1% | $590 | $2,096 |
| 40 | Dolores County | 28.3% | $490 | $1,728 |
| 41 | Rio Blanco County | 28.8% | $526 | $1,825 |
| 42 | Morgan County | 28.9% | $650 | $2,248 |
| 43 | Moffat County | 29.0% | $572 | $1,973 |
| 44 | Las Animas County | 29.0% | $467 | $1,612 |
| 45 | Pueblo County | 29.4% | $603 | $2,054 |
| 46 | Lincoln County | 29.4% | $517 | $1,756 |
| 47 | Phillips County | 29.7% | $575 | $1,938 |
| 48 | Washington County | 30.1% | $502 | $1,667 |
| 49 | Logan County | 30.3% | $528 | $1,746 |
| 50 | Rio Grande County | 30.3% | $499 | $1,649 |
| 51 | Saguache County | 30.3% | $464 | $1,532 |
| 52 | Alamosa County | 30.3% | $509 | $1,677 |
| 53 | Yuma County | 30.7% | $510 | $1,661 |
| 54 | Kit Carson County | 30.8% | $526 | $1,708 |
| 55 | Costilla County | 31.4% | $419 | $1,334 |
| 56 | Cheyenne County | 31.7% | $465 | $1,463 |
| 57 | Otero County | 32.1% | $406 | $1,264 |
| 58 | Conejos County | 32.6% | $419 | $1,285 |
| 59 | Prowers County | 32.8% | $393 | $1,199 |
| 60 | Bent County | 34.2% | $382 | $1,118 |
| 61 | Sedgwick County | 34.4% | $399 | $1,161 |
| 62 | Kiowa County | 34.7% | $421 | $1,215 |
| 63 | Baca County | 35.7% | $361 | $1,012 |
| 64 | Crowley County | 37.8% | $346 | $916 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Colorado