How much do homeowners pay a month in Central, CO?

Name: Homeowner costs in Central, CO, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Central, CO pay a median of $1,990 (±$919) a month in selected owner costs (2020–2024 American Community Survey).

57.6% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $1,990 (±$919)
Owned with a mortgage: 57.6%

Monthly owner costs in Central

Median selected monthly owner costs, estimate (90% margin of error)
	Central	Gilpin County	Colorado	United States
With a mortgage	$1,990 (±$919)	$2,109 (±$163)	$2,326 (±$9)	$1,963
Without a mortgage	—	$531 (±$124)	$663 (±$4)	$638
Owned homes with a mortgage	57.6% (±26.7 points)	76.0% (±5.3 points)	69.4% (±0.3 points)	60.6%
Median real estate taxes (a year)	$700 (±$313)	$1,310 (±$283)	$2,602 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Central, the median cost with a mortgage is not measurably different from Gilpin County ($2,109).

It is not measurably different from Colorado ($2,326).

It is not measurably different from the national figure ($1,963).

Statewide, it ranks 153 of 316.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

Median monthly cost with a mortgage in places near Central

Nearest places with a published estimate, compared with Central
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Central	—	$1,990 (±$919)	—
Black Hawk	0.9 mi	$2,214 (±$697)	Not measurably different
Idaho Springs	3.2 mi	$2,136 (±$185)	Not measurably different
Empire	9.5 mi	$1,688 (±$351)	Not measurably different
Coal Creek (community)	10 mi	$2,487 (±$329)	Not measurably different
Georgetown	11 mi	$1,834 (±$91)	Not measurably different
Nederland	12 mi	$2,699 (±$252)	Not measurably different
Silver Plume	13 mi	$2,361 (±$1,238)	Not measurably different
Evergreen	14 mi	$2,846 (±$247)	Not measurably different

None of the nearby places differs measurably from this one on this figure.

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Central

What is the average mortgage payment in Central?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Central, CO is $1,990 (±$919) a month, including taxes, insurance and utilities.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Central city, Colorado (place:12900, in state:08).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.