The typical owner-occupied home in Pueblo is worth about $247,200, 54% below the Colorado median of $539,400 and 26% below the national median of $332,700. Owners pay a median $1,246 a year in property taxes, about 0.50% of their home's value, close to the Colorado rate of 0.48%. The median household earns $56,664 a year, so the median home costs 4.4 times the median income (5.6 times for Colorado). 61% of occupied homes here are lived in by their owners, and 64% of those owners still have a mortgage.
Pueblo at a glance
| Pueblo | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $247,200 | $539,400 | $332,700 |
| Median property tax paid per year | $1,246 | $2,602 | $3,119 |
| Property tax as a share of value | 0.50% | 0.48% | 0.94% |
| Median household income | $56,664 | $95,470 | $80,734 |
| Homes lived in by their owners | 61% | 66% | 65% |
| Owner homes with a mortgage | 64% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $1,461 | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 22.8% | 22.1% | 21.0% |
| Median rent | $1,082 | $1,761 | $1,413 |
| Rent as a share of renters' income | 31.9% | 31.4% | 30.6% |
| Median year homes were built | 1965 | 1988 | 1980 |
| Vacant homes | 6.8% | 8.3% | 10.1% |
| Population | 111,561 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Pueblo
At this week's average 30-year rate of 7.11%, buying the median Pueblo home of $247,200 with 20% down costs about $1,536 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,948, 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 $65,843 for the 20%-down payment. That payment is 33% of the median Pueblo household income of $56,664; at that income and 20% down, the 28% guideline points to a home of about $213,000.
The median rent here is $1,082 a month, so owning the median home costs about $454 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $49,440 |
|---|---|
| Loan amount | $197,760 |
| Principal and interest | $1,330 |
| Property taxes (0.50% a year) | $103 |
| Homeowners insurance (our estimate, 0.5% a year) | $103 |
| PMI | $0 |
| Total per month | $1,536 |
Change the numbers in the calculator
| Down payment | $8,652 |
|---|---|
| Loan amount | $242,723 |
| Principal and interest | $1,633 |
| Property taxes (0.50% a year) | $103 |
| Homeowners insurance (our estimate, 0.5% a year) | $103 |
| FHA mortgage insurance | $109 |
| Total per month | $1,948 |
Change the numbers in the calculator
Questions about home buying in Pueblo
What is the median home value in Pueblo?
About $247,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Pueblo?
Homeowners pay a median $1,246 a year, which is about 0.50% 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 Pueblo?
For the median home with 20% down at 7.11%, the payment is about $1,536 a month. Keeping that under 28% of gross income takes about $65,843 a year.
More about Pueblo
- Mortgage Refinance in Pueblo
- Debt Relief in Pueblo
- Home Equity Loans in Pueblo
- 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