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Mortgage Calculator &
Closing Costs: Pueblo, CO

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%
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.

$
$53,000
%
%
years
CO avg
%
$
Monthly Payment (PITI)
$1,720
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,340
per month
Taxes & Insurance
$380
per month
Total Interest Paid
$270K
over 30 years
Total Loan Cost
$482K
all payments
Payment Breakdown
Loan Amount$212,000
Principal & Interest$1,340
Property Taxes$113
Homeowners Insurance$267
Total Monthly PITI$1,720

Closing Costs — Pueblo, CO

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

$
%
Colorado: Avg closing costs 1.4% of price. Transfer tax: 0.01%.
Estimated Closing Costs
$10,181
3.8% of purchase price
Lender Fees
$2,333
origination, underwriting
Third-Party
$2,775
appraisal, title, inspection
Government Fees
$27
transfer taxes, recording
Prepaids + Escrow
$5,046
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,908
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,625
Recording Fee$150
Transfer Tax$27
Prepaid Taxes (3 mo)$338
Prepaid Insurance (12 mo)$3,200
Prepaid Interest (15 days)$637
Escrow Reserves$871
Total Closing Costs$10,181

Buying a Home in Pueblo, Colorado

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.
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