Local costs · Colorado
What a home costs across Colorado
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Colorado, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $2,079 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Colorado documentary fee: 0.010% of price — negotiableOn the $574,600 state median home, the buyer’s customary share is about $29; the seller customarily covers about $29.
- Title insurance
- Colorado uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Colorado income tax is modeled at about 2.98% effective for a married household at $100,000 (3.69% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 64 counties in Colorado
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Adams County | 0.61% | $1,350–$3,000typical $2,070 |
| Alamosa County | 0.43% | $1,010–$2,260typical $1,560 |
| Arapahoe County | 0.52% | $1,480–$3,310typical $2,280 |
| Archuleta County | 0.35% | $1,390–$3,100typical $2,140 |
| Baca County | 0.44% | $1,460–$3,250typical $2,240 |
| Bent County | 0.35% | $1,220–$2,710typical $1,870 |
| Boulder County | 0.53% | $1,250–$2,800typical $1,930 |
| Broomfield County | 0.60% | $1,050–$2,330typical $1,610 |
| Chaffee County | 0.29% | $1,010–$2,260typical $1,560 |
| Cheyenne County | 0.47% | $1,030–$2,310typical $1,590 |
| Clear Creek County | 0.39% | $2,440–$5,450typical $3,760 |
| Conejos County | 0.40% | $1,010–$2,260typical $1,560 |
| Costilla County | 0.32% | $1,010–$2,260typical $1,560 |
| Crowley County | 0.45% | $1,010–$2,260typical $1,560 |
| Custer County | 0.40% | $1,310–$2,930typical $2,020 |
| Delta County | 0.31% | $1,010–$2,260typical $1,560 |
| Denver County | 0.45% | $1,470–$3,280typical $2,260 |
| Dolores County | 0.27% | $1,010–$2,260typical $1,560 |
| Douglas County | 0.55% | $1,460–$3,260typical $2,250 |
| Eagle County | 0.42% | $1,010–$2,260typical $1,560 |
| El Paso County | 0.41% | $1,350–$3,020typical $2,080 |
| Elbert County | 0.45% | $1,810–$4,050typical $2,790 |
| Fremont County | 0.36% | $1,140–$2,550typical $1,760 |
| Garfield County | 0.42% | $1,010–$2,260typical $1,560 |
| Gilpin County | 0.23% | $1,870–$4,180typical $2,880 |
| Grand County | 0.34% | $1,010–$2,260typical $1,560 |
| Gunnison County | 0.29% | $1,010–$2,260typical $1,560 |
| Hinsdale County | 0.31% | $1,010–$2,260typical $1,560 |
| Huerfano County | 0.28% | $1,150–$2,570typical $1,770 |
| Jackson County | 0.17% | $1,010–$2,260typical $1,560 |
| Jefferson County | 0.48% | $1,860–$4,150typical $2,860 |
| Kiowa County | 0.58% | $1,090–$2,440typical $1,680 |
| Kit Carson County | 0.50% | $1,090–$2,420typical $1,670 |
| La Plata County | 0.26% | $1,360–$3,030typical $2,090 |
| Lake County | 0.42% | $1,010–$2,260typical $1,560 |
| Larimer County | 0.50% | $1,200–$2,680typical $1,850 |
| Las Animas County | 0.22% | $1,320–$2,940typical $2,030 |
| Lincoln County | 0.44% | $1,250–$2,780typical $1,920 |
| Logan County | 0.46% | $1,120–$2,510typical $1,730 |
| Mesa County | 0.38% | $1,010–$2,260typical $1,560 |
| Mineral County | 0.35% | $1,010–$2,260typical $1,560 |
| Moffat County | 0.40% | $1,010–$2,260typical $1,560 |
| Montezuma County | 0.29% | $1,010–$2,260typical $1,560 |
| Montrose County | 0.36% | $1,010–$2,260typical $1,560 |
| Morgan County | 0.52% | $1,280–$2,860typical $1,970 |
| Otero County | 0.31% | $1,010–$2,260typical $1,560 |
| Ouray County | 0.28% | $1,010–$2,260typical $1,560 |
| Park County | 0.33% | $2,030–$4,520typical $3,120 |
| Phillips County | 0.56% | $1,140–$2,540typical $1,750 |
| Pitkin County | 0.36% | $1,010–$2,260typical $1,560 |
| Prowers County | 0.30% | $1,010–$2,260typical $1,560 |
| Pueblo County | 0.50% | $1,010–$2,260typical $1,560 |
| Rio Blanco County | 0.33% | $1,410–$3,150typical $2,170 |
| Rio Grande County | 0.39% | $1,010–$2,260typical $1,560 |
| Routt County | 0.32% | $1,010–$2,260typical $1,560 |
| Saguache County | 0.33% | $1,010–$2,260typical $1,560 |
| San Juan County | 0.32% | $1,010–$2,260typical $1,560 |
| San Miguel County | 0.26% | $1,010–$2,260typical $1,560 |
| Sedgwick County | 0.45% | $1,130–$2,520typical $1,740 |
| Summit County | 0.32% | $1,010–$2,260typical $1,560 |
| Teller County | 0.35% | $2,850–$6,350typical $4,380 |
| Washington County | 0.39% | $1,210–$2,700typical $1,860 |
| Weld County | 0.52% | $1,070–$2,380typical $1,640 |
| Yuma County | 0.47% | $1,210–$2,700typical $1,860 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.