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City · 111,561 residents · Pueblo County, Colorado

Pueblo , Colorado

In Pueblo, a typical home is worth $247,200 and typical rent is $1,082 a month. Compared with all of Pueblo County, the typical home value is 15% lower, typical household income is 11% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $247,200

    15% below the county

    54% below Colorado

    • Pueblo
    • County
    • Colorado

  • Typical rent

    $1,082a month

    3% below the county

    39% below Colorado

    • Pueblo
    • County
    • Colorado

  • Typical household income

    $56,664a year

    11% below the county

    41% below Colorado

    • Pueblo
    • County
    • Colorado

  • Households that own their home

    61%

    7 points below the county

    5 points below Colorado

    • Pueblo
    • County
    • Colorado

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$281,571
2.4% less than 12 months ago
Typical rent
$1,323 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Pueblo is in Pueblo County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Pueblo County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pueblo apart

What this place has that others do not, from public data, most unusual first.

  1. Pueblo has the 7th lowest typical home value of the 110 cities in Colorado with more than 5,000 people ($247,200).

  2. 61% of households in Pueblo own their home, against 69% in Pueblo County.

  3. Pueblo has the 10th lowest typical household income of the 113 cities in Colorado with more than 5,000 people ($56,664).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Pueblo

What homes there are in Pueblo, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Pueblo, 7 in 10 homes are single-family detached houses; in Pueblo County, 8.

Year built

Homes in Pueblo are older: the typical year built is 1965; in Pueblo County, 1974.

In Pueblo, 13% of homes have 1 bedroom or none (studios); 55% have 3 bedrooms or more, against 62% in Pueblo County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Pueblo County is $541,287, and about 94% of owner-occupied homes in Pueblo are worth less than that.

Monthly rent with utilities

About 62% of rented homes in Pueblo cost less than HUD's 2-bedroom fair market rent for Pueblo County ($1,263); the rest cost more.

With a mortgage

$1,461 a month

Pueblo County: $1,624 a month

Without a mortgage

$483 a month

Pueblo County: $519 a month

Owners with a mortgage

64%

Pueblo County: 64%

In Pueblo, 64% of owners have a mortgage, and their typical cost is $1,461 a month, against $1,624 in Pueblo County. Without one it drops to $483.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Pueblo rose at about the same pace as in Pueblo County: 75% against 77%.

Rents in Pueblo rose at about the same pace as in Pueblo County: 35% since 2015–2019, against 34%.

While home values in Pueblo changed +75% and rent +35%, the typical household income rose 40%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasurePuebloPueblo CountyColoradoUnited States
Rental vacancy 2.8%2.6%5.1%5.5%
Homeowner vacancy 1.0%0.8%0.8%0.9%
More than one person per room 2.1%2.2%2.4%3.4%
People per household 2.292.392.422.53
Drive alone 79%79%65%69%
Carpool 10%9%8%9%
Public transit 1%1%2%3%
Walk or bike 2%2%3%3%
Work from home 8%9%21%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Pueblo County, the rental vacancy rate in Pueblo is 2.8%.

In Pueblo, 2.1% of households live with more than one person per room, about the same as in Pueblo County.

By size, households in Pueblo look like those in Pueblo County: 2.29 people on average.

In Pueblo, 79% of workers drive alone to work; in Pueblo County, 79%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Pueblo?

A typical home costs more than the typical income allows

We start with a typical home in Pueblo, worth $247,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Pueblo, which is $56,664 a year. For that payment to be 28% of income, a household would need to earn about $83,984 a year.

The calculator's FHA and conventional loan limits are those of all of Pueblo County.

Your numbers

Local data
$

Starts at the typical home value in Pueblo. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,652 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,960

at 7.18% · 30 years

Loan amount
$242,723
Total interest
$349,221
Paid off in
November 2056

Includes $4,175 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,322 a month

  • Tight

    $1,322 to $1,700 a month

  • Hard

    more than $1,700 a month

    Your payment · 41%

Compared with the typical household income in Pueblo ($56,664 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,960
Principal & interest$1,644
Property tax$103
Home insurance$103
FHA mortgage insurance (MIP)$109

You need at least $8,652 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Pueblo and Pueblo County

Pueblo is in Pueblo County, Colorado. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Pueblo's own numbers

Typical home value
$247,200
Typical monthly rent
$1,082
Typical yearly household income
$56,664
Households that own their home
61%
Effective property tax rate
0.5%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Pueblo County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,263
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
0.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pueblo County.

Everything about Pueblo County

Buying

Buying a home in Pueblo

A typical home in Pueblo is worth $247,200: 15% below the county and 54% below Colorado. With the typical household income in Pueblo ($56,664 a year), a typical home costs 4.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Pueblo 4.4 years
  • County 4.6 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pueblo County

According to FHFA’s house price index, home prices in Pueblo County rose 107% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Pueblo County.

Period County Colorado U.S.
Last year (2025) −1.7% +0.1% +2.9%
5 years (2020–2025) +39% +38% +47%
10 years (2015–2025) +107% +93% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Pueblo next to Pueblo County, Colorado and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Pueblo $247,200
  • County $291,300
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Pueblo $1,082
  • County $1,111
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Pueblo $56,664
  • County $64,010
  • Colorado $95,470
  • United States $80,734
See the full table
Pueblo next to Pueblo County and Colorado
Measure Pueblo Pueblo County Colorado U.S.
Typical home value $247,200 $291,300 $539,400 $332,700
Typical monthly rent $1,082 $1,111 $1,761 $1,413
Typical yearly household income $56,664 $64,010 $95,470 $80,734
Households that own their home 61% 69% 66% 65%
Typical yearly property tax $1,246 $1,467 $2,602 $3,119
Effective property tax rate 0.5% 0.5% 0.48% 0.94%
Renters with high rent for their income 53% 52% 53% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pueblo County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Pueblo

For a typical $247,200 home in Pueblo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pueblo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,960a month

    Least cash to close
    Down payment
    $8,652
    Cash to close
    $16,068
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $109

  • Conventional, 5% down $1,914a month

    Down payment
    $12,360
    Cash to close
    $19,776
    Rate
    7.18%
    Mortgage insurance
    PMI · $117

  • Conventional, 20% down, no PMI $1,546a month

    Down payment
    $49,440
    Cash to close
    $56,856
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,774a month

    Down payment
    $37,080
    Cash to close
    $44,496
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Pueblo and for Pueblo County.

Property tax

Effective rate in Pueblo

0.5%of the home’s value each year

$1,246 a year for the typical owner in Pueblo.

  • Pueblo 0.5%
  • County 0.5%
  • Colorado 0.48%

What Colorado publishes Senior homestead exemption (owners 65 and older) (Colorado General Assembly (Colorado Revised Statutes 2024, Title 39))

Exemptions and deadlines in Colorado

Flood risk in Pueblo County

FEMA does not publish these numbers by city: they are for all of Pueblo County.

Homes in the high-risk zone
0.6%
357
Of those, with NFIP insurance
12%
County Colorado U.S.
Homes in the high-risk zone 0.6% 1.1% 3.5%
Of those, with NFIP insurance 12% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pueblo

Typical rent in Pueblo is $1,082 a month: 3% below the county. In Pueblo, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pueblo County, by unit size. To pay the 2-bedroom one ($1,263 a month) without spending more than 30% of your income, you would need to earn $24.29 an hour working full time.

HUD fair market rent for all of Pueblo County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $879 $16.90 $35,160
1 bedroom $978 $18.81 $39,120
2 bedrooms $1,263 $24.29 $50,520
3 bedrooms $1,611 $30.98 $64,440
4 bedrooms $1,891 $36.37 $75,640

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Pueblo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pueblo has 5 ZIP codes with their own.

For 2 bedrooms it runs from $1,160 in 81003 to $1,650 in 81008.

1 of the 5 is above the fair market rent for Pueblo County ($1,263).

  • 81001 $1,210$1,540
  • 81003 $1,160$1,480
  • 81004 $1,240$1,580
  • 81005 $1,230$1,570
  • 81008 $1,650$2,110

5 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pueblo when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Pueblo

HUD lists 40 buildings with rents for lower incomes in Pueblo. These are the largest.

  • Pueblo 2124 Norman Ln, Pueblo 81005 246 homes, 245 low-income · Run by Housing Authority of the City of Pueblo · Average payment: $480 a month · Average wait: 10 months · Homes at several sites (719) 542-6741
  • Pueblo 2104 N Ogden Ave, Pueblo 81001 244 homes, 243 low-income · Run by Housing Authority of the City of Pueblo · Average payment: $401 a month · Average wait: 14 months · Homes at several sites (719) 542-6741
  • Azteca Apts 705 Hunter Dr, Pueblo 81001 202 homes, 201 low-income · For older adults (719) 546-0758
  • Mesa Tower 260 Lamar Ave, Pueblo 81004 199 low-income homes · Run by Housing Authority of the City of Pueblo · Average payment: $373 a month · Average wait: 16 months (719) 542-6741
  • Casa del Sol 1725 Constitution Rd, Pueblo 81001 154 homes, 153 low-income · Studio: 18 · 1 bd: 59 · 2 bd: 44 · 3 bd: 32 · In service since 2020 · For families (719) 584-2121

See all 44 buildings in Pueblo County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pueblo

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Pueblo County; none says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Pueblo

No down payment, repair or rent-help program on our list is for Pueblo or Pueblo County. The ones below are statewide in Colorado: they work in Pueblo the same as in the rest of the state.

Which programs do I qualify for? All programs in Colorado

  • CHFA Down Payment Assistance

    Statewide in Colorado

    Colorado state agency help with the down payment or closing costs: a grant of up to 3% of the mortgage or a deferred second mortgage of up to 4%, both capped at $25,000. Offered by Colorado Housing and Finance Authority (CHFA).

    GrantDeferred

    See the program Official page

  • CHFA FirstGeneration

    Statewide in Colorado

    Open, per the source

    $25,000 from the Colorado state agency for the down payment of first-generation buyers (neither you nor your parents have owned a home); repaid when you sell, refinance or pay off the mortgage. Offered by Colorado Housing and Finance Authority (CHFA).

    Deferred

    See the program Official page

Housing counselors near Pueblo

The HUD-approved agencies closest to the center of Pueblo, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Neighborworks Southern Colorado

    1241 E Routt Ave, Pueblo · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (719) 544-8078

  • Upper Arkansas Area Council of Governments

    3224 Independence Rd Unit A, Canon City · 33 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (719) 269-7687

  • Community Economic Defense Project Cedp- Colorado Springs

    1520 Verde Dr, Colorado Springs · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 1 more
    (303) 276-5705

Every agency in Pueblo County All counseling agencies in Colorado

Help in Spanish near Pueblo

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Pueblo

HUD’s record names them for Pueblo or Pueblo County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Pueblo Public housing and Section 8 vouchers (719) 542-6741

One other authority has an office in Pueblo County: see the list Source: HUD

Cities

Other cities in Pueblo County

These cities are also in Pueblo County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pueblo County Housing in Colorado

Nearby cities

The cities closest to Pueblo, with the typical home value.

Neighboring counties

If Pueblo County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Pueblo.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Pueblo

Short answers with the numbers for Pueblo and all of Pueblo County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Pueblo?

The typical home value in Pueblo is $247,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pueblo County it is $291,300.

How much does it cost to rent in Pueblo?

Typical rent in Pueblo is $1,082 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pueblo County is $1,263.

What is the FHA loan limit in Pueblo?

Pueblo uses the FHA limit for all of Pueblo County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Pueblo?

The typical homeowner in Pueblo pays $1,246 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Pueblo County, the rate is 0.5%.

Where can I find free help to buy or rent in Pueblo?

There is 1 HUD-approved counseling agency with an office in Pueblo County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).