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Pueblo, CO mortgage & affordability calculator

The typical home in Pueblo, CO is worth about $300,000. With 20% down that's a loan near $240,000 — the calculator is pre-filled with that figure. Pueblo has long been Colorado's more affordable alternative to the Front Range's booming Denver-to-Fort Collins corridor, anchored by a legacy steel industry that has shrunk considerably since its mid-20th-century peak. Colorado's constitutionally-limited property tax rate is among the lowest in the country, one of the few things keeping ownership costs down for a metro with comparatively modest incomes.

$1,558.23 / month

Total interest
$320,964
Total paid
$560,964
Payoff
30.0 years
Balance over YearBalance ends near $0 at 30.$0$60k$120k$180k$240k0612182430Year

How much you need to earn

Pueblo, CO's median household income is about $55,000 a year. Under standard 28/36 lending rules that supports a home price around $208,887 with 20% down — below the $300,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.

$208,821 max home price

Max loan amount
$148,821
Housing payment budget
$1,283
P&I budget
$966
Bound by
front-end ratio

Uses the 28% front-end / 36% back-end DTI guidelines. Lenders vary.

Typical asking rent in Pueblo, CO is about $1,200 a month, so owning the median home costs roughly $675 more per month before tax effects, maintenance, and any change in home value.

Frequently asked questions

What is a typical mortgage payment in Pueblo, CO?
On the metro's roughly $300,000 typical home with 20% down, the loan is about $240,000. Principal and interest run near $1,558 a month at today's rate, and Pueblo, CO's property tax plus insurance add about $317, for a full payment near $1,875.
Can I afford a home in Pueblo, CO on the median income?
The median household income is about $55,000 a year. Under standard 28/36 lending rules that supports a home price around $208,887 with 20% down — below the $300,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Pueblo, CO?
Typical asking rent is about $1,200 a month. The full owner payment on a median home is near $1,875, so owning costs roughly $675 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Pueblo, CO?
The effective property tax rate in the core county is about 0.60% of market value — roughly $1,800 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Pueblo, CO rising or falling?
Home values are up about 3% over the past year. Pueblo has long been Colorado's more affordable alternative to the Front Range's booming Denver-to-Fort Collins corridor, anchored by a legacy steel industry that has shrunk considerably since its mid-20th-century peak. Colorado's constitutionally-limited property tax rate is among the lowest in the country, one of the few things keeping ownership costs down for a metro with comparatively modest incomes.

Nearby metros

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