The REAL Monthly Cost Of Owning A Home In DENVER Colorado 2026! Are you budgeting to buy a home in Denver, Colorado in 2026? Before you commit, it’s crucial to understand what your real monthly housing costs will be — beyond just the mortgage. In this video, we break down all the hidden and often overlooked expenses that can surprise new homeowners in Denver.
In this video, you’ll learn:
1. The true cost of a $600,000 home in Denver with 20% down at 6% interest
2. How property taxes and insurance rates impact your monthly payment
3. Why your mortgage could jump by $1,000+ (and how to prevent it)
4. What the 1% Rule is and how it affects your yearly maintenance budget
5. Common utility costs in Colorado and seasonal fluctuations
6. Why you need two types of emergency funds (and how much to save)
7. Hidden costs like HOA, HVAC servicing, and appliance replacements
8. How to save money on homeowners insurance in 2026
BONUS: We cover real Reddit horror stories and lessons from buyers who didn’t plan ahead.
CHAPTER:
00:00 – Intro: Why Your Mortgage Isn’t the Whole Story
00:47 – New Construction Warning: Property Tax Shock
01:00 – Real Monthly Payment Example: $600K Home in Denver
01:59 – Hidden Cost 1: Maintenance & Repairs (1% Rule)
02:34 – Hidden Cost 2: Utilities in Colorado
03:07 – Emergency Funds: What You Really Need
03:42 – Annual Maintenance Plan Tips (HVAC, Fireplace)
04:08 – Homeowners Insurance Rates Are Rising
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What surprised you most about homeownership? Drop a comment below — I’d love to hear your story!
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📌 *Are you looking to buy a home in Colorado, California, Texas, Wyoming, or Florida? Contact us to get started: https://mortgage-maestro.com/contact/
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We're a veteran-owned, top-rated independent mortgage broker servicing Colorado, California, Wyoming, Texas, and Florida. Our mission is to empower you to build wealth through real estate, with a focus on expert advice and education on mortgages.
Whether you're a first-time home buyer interested in house hacking or real estate investing, our storytelling approach will guide you through every step of the process.
We upload videos regularly. SUBSCRIBE to get regular updates on mortgage rates, market trends, and invaluable insights to help you make informed decisions about your most significant asset.
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RAY WILLIAMS
Mortgage Maestro Group (NMLS #1838215)
🏢 387 N, Corona St #646, Denver, CO 80218
📞 (303) 779-0591
📧 [email protected]
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