The typical owner-occupied home in Coaldale is worth about $383,300, 29% below the Colorado median of $539,400 and 15% above the national median of $332,700. Owners pay a median $516 a year in property taxes, about 0.13% of their home's value, lower than the Colorado rate of 0.48%. 100% of occupied homes here are lived in by their owners, and 67% of those owners still have a mortgage.
Coaldale at a glance
| Coaldale | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $383,300 | $539,400 | $332,700 |
| Median property tax paid per year | $516 | $2,602 | $3,119 |
| Property tax as a share of value | 0.13% | 0.48% | 0.94% |
| Median household income | – | $95,470 | $80,734 |
| Homes lived in by their owners | 100% | 66% | 65% |
| Owner homes with a mortgage | 67% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $1,591 | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 43.7% | 22.1% | 21.0% |
| Median rent | – | $1,761 | $1,413 |
| Median year homes were built | 1995 | 1988 | 1980 |
| Vacant homes | 36.9% | 8.3% | 10.1% |
| Population | 538 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Coaldale
At this week's average 30-year rate of 7.11%, buying the median Coaldale home of $383,300 with 20% down costs about $2,264 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,903, 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 $97,029 for the 20%-down payment.
| Down payment | $76,660 |
|---|---|
| Loan amount | $306,640 |
| Principal and interest | $2,063 |
| Property taxes (0.13% a year) | $42 |
| Homeowners insurance (our estimate, 0.5% a year) | $160 |
| PMI | $0 |
| Total per month | $2,264 |
Change the numbers in the calculator
| Down payment | $13,416 |
|---|---|
| Loan amount | $376,357 |
| Principal and interest | $2,532 |
| Property taxes (0.13% a year) | $42 |
| Homeowners insurance (our estimate, 0.5% a year) | $160 |
| FHA mortgage insurance | $170 |
| Total per month | $2,903 |
Change the numbers in the calculator
Questions about home buying in Coaldale
What is the median home value in Coaldale?
About $383,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Coaldale?
Homeowners pay a median $516 a year, which is about 0.13% 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 Coaldale?
For the median home with 20% down at 7.11%, the payment is about $2,264 a month. Keeping that under 28% of gross income takes about $97,029 a year.
More about Coaldale
- Mortgage Refinance in Coaldale
- Debt Relief in Coaldale
- Home Equity Loans in Coaldale
- 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