The calculator below is pre-filled with Denver County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Colorado's statewide figures.

Denver County at a glance

Effective property tax rate: 0.48% of home value / year
Median home price: $561,800
Homeowners insurance (avg/year): $3,803
Conforming loan limit (1-unit, 2026): $862,500

County data last updated 2026-08-28. FIPS 08031. Full source list on /methodology.

Denver County, CO mortgage payment calculator

All-in cost first, always — pre-filled with Denver County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

Not your state? Find your calculator here.

Not sure what you can afford?

Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Colorado.

How much house can I afford in Colorado? →

Not sure where to start?

Continue calculating

Affordability calculator

Income, savings, and debts in — max home price and qualification signal out.

PMI removal calculator

When your PMI is scheduled to end, by law and by request.

Mortgage points calculator

Should you buy down your rate? Break-even and lifetime cost comparison.

Related reading

Closing Costs in Colorado: What You'll Actually Pay

Colorado's statewide transfer charge on a $563,000 home is $56 — but total closing costs still run $11,260 to $22,520. Here's where the money actually goes.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Colorado at a glance

Median home price: $563,000
Typical closing costs: 2%–4% of price
Transfer tax: 0.01% of sale price, customarily paid by seller
Closing custom: escrow
Homestead exemption: Colorado has two distinct 'homestead' benefits that are easy to conflate. (1) Creditor-protection homestead exemption (C.R.S. §38-41-201): protects up to $250,000 of home equity from most creditors' judgments for an owner-occupied primary residence, or $350,000 if the owner, spouse, or a dependent is elderly (60+) or disabled — automatic, not a property-tax benefit. (2) Senior/disabled-veteran property-tax exemption (Colo. Const. Art. X, §3.5): for qualifying seniors (65+, 10 consecutive years of ownership/occupancy) and 100%-disabled veterans, 50% of the first $200,000 of a home's actual value is exempt from property tax (up to $100,000 of value excluded), state-funded and requiring an application (Form 15-DPT-AR) by July 15. Unlike FL/TX, there is no broad homestead property-tax exemption available to all owner-occupants regardless of age — only the senior/veteran-targeted version described here.

First-time buyer / down payment assistance programs

CHFA First Mortgage / CHFA Down Payment Assistance Grant
Colorado Housing and Finance Authority's primary first-mortgage programs (CHFA FirstStep, SmartStep, HomeAccess, and related products) paired with down payment assistance of up to 3% (or up to $25,000 as a flat grant option on certain products) of the purchase price, either as a non-repayable grant or a low-interest deferred second mortgage, for qualifying first-time and repeat buyers statewide.