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Mortgage Calculator &
Closing Costs: Greeley, CO

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

Median Home Price
$395K
Population
109K
Avg Monthly Rent
$1,420
Property Tax Rate
0.51%
Greeley vs Colorado Median
The median home price in Greeley is $395,000, which is 24% below the Colorado state median of $520,000.

Mortgage Calculator — Greeley, CO

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

$
$79,000
%
%
years
CO avg
%
$
Monthly Payment (PITI)
$2,432
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,997
per month
Taxes & Insurance
$435
per month
Total Interest Paid
$403K
over 30 years
Total Loan Cost
$719K
all payments
Payment Breakdown
Loan Amount$316,000
Principal & Interest$1,997
Property Taxes$168
Homeowners Insurance$267
Total Monthly PITI$2,432

Closing Costs — Greeley, CO

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

$
%
Colorado: Avg closing costs 1.4% of price. Transfer tax: 0.01%.
Estimated Closing Costs
$12,424
3.1% of purchase price
Lender Fees
$3,269
origination, underwriting
Third-Party
$3,425
appraisal, title, inspection
Government Fees
$40
transfer taxes, recording
Prepaids + Escrow
$5,690
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,844
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,275
Recording Fee$150
Transfer Tax$40
Prepaid Taxes (3 mo)$504
Prepaid Insurance (12 mo)$3,200
Prepaid Interest (15 days)$950
Escrow Reserves$1,037
Total Closing Costs$12,424

Buying a Home in Greeley, Colorado

The median home price in Greeley is $395,000, 24% below the Colorado state median of $520,000. With a population of 108,795, Greeley 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 Greeley 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 Greeley is $1,420/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.

Greeley presents moderate affordability. The $395K 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 Greeley.
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