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Mortgage Calculator &
Closing Costs: Aurora, CO

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Aurora, Colorado.

Median Home Price
$465K
Population
386K
Avg Monthly Rent
$1,620
Property Tax Rate
0.51%
Aurora vs Colorado Median
The median home price in Aurora is $465,000, which is 11% below the Colorado state median of $520,000.

Mortgage Calculator — Aurora, CO

Pre-filled with Aurora median home price and Colorado tax/insurance rates. Adjust for your property.

$
$93,000
%
%
years
CO avg
%
$
Monthly Payment (PITI)
$2,816
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,351
per month
Taxes & Insurance
$465
per month
Total Interest Paid
$474K
over 30 years
Total Loan Cost
$846K
all payments
Payment Breakdown
Loan Amount$372,000
Principal & Interest$2,351
Property Taxes$198
Homeowners Insurance$267
Total Monthly PITI$2,816

Closing Costs — Aurora, CO

Estimated closing costs based on Colorado rates and fees applied to Aurora prices.

$
%
Colorado: Avg closing costs 1.4% of price. Transfer tax: 0.01%.
Estimated Closing Costs
$13,631
2.9% of purchase price
Lender Fees
$3,773
origination, underwriting
Third-Party
$3,775
appraisal, title, inspection
Government Fees
$47
transfer taxes, recording
Prepaids + Escrow
$6,037
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$3,348
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,625
Recording Fee$150
Transfer Tax$47
Prepaid Taxes (3 mo)$593
Prepaid Insurance (12 mo)$3,200
Prepaid Interest (15 days)$1,118
Escrow Reserves$1,126
Total Closing Costs$13,631

Buying a Home in Aurora, Colorado

The median home price in Aurora is $465,000, 11% below the Colorado state median of $520,000. With a population of 386,261, Aurora is a mid-size city where home prices tend to be more accessible than in many parts of Colorado.

Property taxes in Colorado average 0.51% annually. This low property tax rate is a significant advantage for Aurora buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Colorado runs approximately $3,200 per year. Insurance costs are notably high — factor this into your monthly budget.

Average rent in Aurora is $1,620/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Aurora is a higher-cost market. At $465K median, buyers need significant savings or strong income. Down payment assistance through Colorado's CHFA Down Payment Assistance program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Aurora.
Rent vs Buy Calculator →
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