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Pagosa Springs Mortgage Calculator

Estimate your true cost of homeownership in Pagosa Springs with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost

$3,811

P&I Payment$3,343

Taxes & Ins$204

Utilities$264

Also calculate:FHA Calculator VA Calculator

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Mortgage Details

Home Price$635,406

Local Median: $635,406

Down Payment$127,081 (20%)

Interest Rate

Loan Term

Credit Score

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Property Taxes / yr$1,762

Homeowners Ins. / yr$690

Include Flood InsuranceOptional

Estimated based on Pagosa Springs FEMA risk profiles.

Include Est. Utilities$3,163/yr

Based on DOE LEAD data for Pagosa Springs.

Monthly$3,811

Monthly Breakdown

Principal & Interest

$3,343

Property Taxes

$147

Homeowners Ins.

$58

Utilities

$264

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$695,180

Local Housing Facts for Pagosa Springs

·Median home value: $635,406 (adjusted for current market conditions)
·Est. property taxes: $1,762/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $690/yr — based on local per-$1K premium rates
·Energy utilities: $3,163/yr — sourced from DOE LEAD survey data
·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Pagosa Springs?

Based on the local median home value, estimated real estate property taxes in Pagosa Springs are around $1,762 per year.

What is the average home price in Pagosa Springs?

The median home value in Pagosa Springs is currently estimated at $635,406.

How much does homeowners insurance cost in Pagosa Springs?

For a median priced home, homeowners insurance in Pagosa Springs averages around $690 annually.

What is the true total cost of owning a home in Pagosa Springs?

True homeownership costs go beyond principal and interest. In Pagosa Springs, a typical homeowner with a median-priced home of $635,406 can expect to pay roughly $1,762/yr in property taxes, $690/yr for homeowners insurance, and $3,163/yr in energy utilities. That adds approximately $468 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.