Mortgage payment estimates, closing cost breakdowns, and homebuying data for Pueblo, Colorado.
Median Home Price
$265K
Population
112K
Avg Monthly Rent
$1,080
Property Tax Rate
0.51% *
* Property tax shown is the Colorado state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Pueblo.
Pueblo vs Colorado Median
The median home price in Pueblo is $265,000, which is 49% below the Colorado state median of $520,000.
Mortgage Calculator — Pueblo, CO
Pre-filled with Pueblo median home price and Colorado tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $265K home using Colorado's 0.51% tax rate and $3,200/yr insurance.
5% Down
$2,117/mo
Down: $13,250
Loan: $252K
P&I: $1,591
Tax: $113
Insurance: $267
PMI: $147
10% Down
$2,026/mo
Down: $26,500
Loan: $239K
P&I: $1,507
Tax: $113
Insurance: $267
PMI: $139
20% Down (No PMI)
$1,719/mo
Down: $53,000
Loan: $212K
P&I: $1,340
Tax: $113
Insurance: $267
Income needed (28% rule): $74K/year with 20% down, $87K/year with 10% down.
Rent vs Buy in Pueblo
Rent
$1,080/mo
vs
Buy (10% down)
$2,026/mo
Price-to-rent ratio: 20.4 — At a ratio above 20, renting may be more economical in Pueblo for shorter stays. Buying costs $946 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Pueblo is $265,000, 49% below the Colorado state median of $520,000. With a population of 111,876, Pueblo 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 Pueblo 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 Pueblo is $1,080/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.
Pueblo presents moderate affordability. The $265K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Pueblo.