Colorado (CO) · West Real Estate Profile
Colorado Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Colorado. In Colorado, the effective statewide property tax rate averages 0.55% and homeowners insurance averages 0.65% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.55%
Homeowners Insurance0.65%
Median Home Price$540,000
Conforming Loan Limit$766,550
Property Tax Context for Colorado: At 0.55%, a median-priced home of $540,000 pays roughly $2,970 per year in property taxes ($248/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Colorado Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Colorado residents.
Monthly Payment Benchmarks in Colorado (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | CO Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $86/mo | $1,136/mo | $49,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $143/mo | $1,893/mo | $81,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $201/mo | $2,650/mo | $114,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $258/mo | $3,407/mo | $146,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $315/mo | $4,164/mo | $178,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $430/mo | $5,678/mo | $243,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $573/mo | $7,571/mo | $324,000/yr | View schedule → |
Browse all 25 loan amounts in Colorado
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in CO$757/mo$150k in CO$1,136/mo$200k in CO$1,514/mo$250k in CO$1,893/mo$300k in CO$2,271/mo$350k in CO$2,650/mo$400k in CO$3,028/mo$450k in CO$3,407/mo$500k in CO$3,785/mo$550k in CO$4,164/mo$600k in CO$4,542/mo$650k in CO$4,921/mo$700k in CO$5,299/mo$750k in CO$5,678/mo$800k in CO$6,057/mo$850k in CO$6,435/mo$900k in CO$6,814/mo$950k in CO$7,192/mo$1 million in CO$7,571/mo$1.1 million in CO$8,328/mo$1.2 million in CO$9,085/mo$1.3 million in CO$9,842/mo$1.4 million in CO$10,599/mo$1.5 million in CO$11,356/mo$2 million in CO$15,141/mo
Explore neighboring West states
Compare mortgage payment benchmarks and property taxes across neighboring West jurisdictions:
Alaska (1.18% tax)View guide →Arizona (0.60% tax)View guide →California (0.73% tax)View guide →Hawaii (0.31% tax)View guide →Idaho (0.63% tax)View guide →Montana (0.74% tax)View guide →
Closing Costs & Transfer Tax in Colorado
Documentary fee is $0.01 per $100 ($1 per $10,000) for recordings over $500.