The typical owner-occupied home in Lone Tree is worth about $874,100, 62% above the Colorado median of $539,400 and 2.6 times the national median of $332,700. Owners pay a median $5,186 a year in property taxes, about 0.59% of their home's value, higher than the Colorado rate of 0.48%. The median household earns $123,741 a year, so the median home costs 7.1 times the median income (5.6 times for Colorado). 54% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
Lone Tree at a glance
| Lone Tree | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $874,100 | $539,400 | $332,700 |
| Median property tax paid per year | $5,186 | $2,602 | $3,119 |
| Property tax as a share of value | 0.59% | 0.48% | 0.94% |
| Median household income | $123,741 | $95,470 | $80,734 |
| Homes lived in by their owners | 54% | 66% | 65% |
| Owner homes with a mortgage | 58% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $3,353 | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 21.4% | 22.1% | 21.0% |
| Median rent | $2,139 | $1,761 | $1,413 |
| Rent as a share of renters' income | 26.2% | 31.4% | 30.6% |
| Median year homes were built | 2004 | 1988 | 1980 |
| Vacant homes | 4.3% | 8.3% | 10.1% |
| Population | 14,147 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Lone Tree
At this week's average 30-year rate of 7.11%, buying the median Lone Tree home of $874,100 with 20% down costs about $5,498 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $7,095, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $235,632 for the 20%-down payment. That payment is 53% of the median Lone Tree household income of $123,741; at that income and 20% down, the 28% guideline points to a home of about $459,000.
The median rent here is $2,139 a month, so owning the median home costs about $3,359 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $174,820 |
|---|---|
| Loan amount | $699,280 |
| Principal and interest | $4,704 |
| Property taxes (0.59% a year) | $430 |
| Homeowners insurance (our estimate, 0.5% a year) | $364 |
| PMI | $0 |
| Total per month | $5,498 |
Change the numbers in the calculator
| Down payment | $30,594 |
|---|---|
| Loan amount | $858,268 |
| Principal and interest | $5,774 |
| Property taxes (0.59% a year) | $430 |
| Homeowners insurance (our estimate, 0.5% a year) | $364 |
| FHA mortgage insurance | $527 |
| Total per month | $7,095 |
Change the numbers in the calculator
Questions about home buying in Lone Tree
What is the median home value in Lone Tree?
About $874,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Lone Tree?
Homeowners pay a median $5,186 a year, which is about 0.59% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Lone Tree?
For the median home with 20% down at 7.11%, the payment is about $5,498 a month. Keeping that under 28% of gross income takes about $235,632 a year.
More about Lone Tree
- Mortgage Refinance in Lone Tree
- Debt Relief in Lone Tree
- Home Equity Loans in Lone Tree
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data