Costilla County, Colorado home prices
Typical home $180,906 · -5.4% in a year · property tax 0.32%
The typical home in Costilla County is worth $180,906, 66% less than the Colorado typical home ($529,013). Values changed -5.4% in the past year and -9.3% over five years. Homeowners here pay a median 0.32% of their home's value in property tax each year ($570 on the typical home), versus 0.52% statewide.
Mortgage on the typical Costilla County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,181 | $144,725 | $974 | $0 | $138 | $1,112 | $47,600 |
| 10% down | $18,091 | $162,815 | $1,095 | $68 | $138 | $1,301 | $55,800 |
| 5% down | $9,045 | $171,861 | $1,156 | $72 | $138 | $1,366 | $58,500 |
| 3.5% down (FHA) | $6,332 | $177,629 | $1,195 | $80 | $138 | $1,413 | $60,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.32% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Colorado.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sedgwick County | $172,249 | -1.9% | 0.45% |
| Prowers County | $169,863 | -1.6% | 0.3% |
| Cheyenne County | $196,246 | +2.9% | 0.47% |
| Kiowa County | $163,266 | -5.4% | 0.58% |
| Otero County | $158,183 | -6.3% | 0.31% |
| Crowley County | $153,588 | -7.9% | 0.45% |
| Conejos County | $212,372 | +1.3% | 0.4% |
| Kit Carson County | $233,624 | +3.2% | 0.49% |
| Las Animas County | $238,422 | -5.3% | 0.23% |
| Saguache County | $241,669 | -3.5% | 0.32% |
Frequently asked questions
What is the average home price in Costilla County, CO?
The typical home value in Costilla County is $180,906 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Costilla County?
About $47,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Costilla County?
The median effective rate is 0.32% of home value a year (Census ACS 2024 5-year estimates).