Aurora Mortgage Calculator
Estimate your monthly mortgage payment in Aurora, CO. On the local median home value of $475,000 — with a 20% down payment at today's rates — expect a total monthly payment (principal, interest, taxes, and insurance) of about $2,795. Adjust every input for your situation.
Monthly Breakdown
- Principal & Interest$2,402
- Property Tax$218
- Home Insurance$175
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $28,822 | $4,247 | $24,575 | $375,753 |
| 2 | $28,822 | $4,532 | $24,290 | $371,221 |
| 3 | $28,822 | $4,835 | $23,987 | $366,386 |
| 4 | $28,822 | $5,159 | $23,663 | $361,226 |
| 5 | $28,822 | $5,505 | $23,318 | $355,722 |
| 6 | $28,822 | $5,873 | $22,949 | $349,848 |
| 7 | $28,822 | $6,267 | $22,556 | $343,582 |
| 8 | $28,822 | $6,686 | $22,136 | $336,895 |
| 9 | $28,822 | $7,134 | $21,688 | $329,761 |
| 10 | $28,822 | $7,612 | $21,210 | $322,149 |
| 11 | $28,822 | $8,122 | $20,701 | $314,028 |
| 12 | $28,822 | $8,666 | $20,157 | $305,362 |
| 13 | $28,822 | $9,246 | $19,576 | $296,116 |
| 14 | $28,822 | $9,865 | $18,957 | $286,251 |
| 15 | $28,822 | $10,526 | $18,296 | $275,725 |
| 16 | $28,822 | $11,231 | $17,591 | $264,494 |
| 17 | $28,822 | $11,983 | $16,839 | $252,511 |
| 18 | $28,822 | $12,786 | $16,037 | $239,725 |
| 19 | $28,822 | $13,642 | $15,180 | $226,084 |
| 20 | $28,822 | $14,555 | $14,267 | $211,528 |
| 21 | $28,822 | $15,530 | $13,292 | $195,998 |
| 22 | $28,822 | $16,570 | $12,252 | $179,428 |
| 23 | $28,822 | $17,680 | $11,142 | $161,747 |
| 24 | $28,822 | $18,864 | $9,958 | $142,883 |
| 25 | $28,822 | $20,128 | $8,695 | $122,756 |
| 26 | $28,822 | $21,475 | $7,347 | $101,280 |
| 27 | $28,822 | $22,914 | $5,909 | $78,367 |
| 28 | $28,822 | $24,448 | $4,374 | $53,918 |
| 29 | $28,822 | $26,086 | $2,737 | $27,833 |
| 30 | $28,822 | $27,833 | $990 | $0 |
Swipe the table sideways to see all columns →
How to use this calculator
The Home Price field is pre-filled with the median home value in Aurora (about $475,000). Override with your target home's actual price to get a payment estimate for that specific property.
The Property Tax Rate is pre-filled with Colorado's average effective rate of 0.55%. Within Colorado, rates vary by county — if you know your specific local rate, override it for a more precise estimate.
Adjust the Down Payment slider to see how your payment changes. Below 20% down triggers PMI; the calculator adds it automatically and shows a warning.
Scroll down for the full PITI breakdown, monthly payment pie chart, and complete month-by-month amortization schedule.
How it works
Buying a median-priced home in Aurora. At $475,000 with a 20% down payment, you'd bring $95,000 to closing (plus closing costs) and take out a $380,000 mortgage. At a 6.50% interest rate on a 30-year fixed loan, your monthly principal + interest is roughly $2,402.
Annual costs on top of the loan. Colorado's average property tax rate is 0.55%, so a median-priced Aurora home generates approximately $2,613 in annual property tax (about $218/mo when paid through escrow). Homeowner's insurance in Colorado averages around $2,100/year.
Total monthly payment (PITI) on the median Aurora home works out to about $2,795 per month at current rates, assuming a 20% down payment and no HOA. If you're putting less than 20% down, add PMI to this — typically 0.5–1.5% of the loan balance per year.
Rates change; this is the math, not the offer. Mortgage rates fluctuate daily. Our default of 6.50% is a recent conventional 30-year benchmark — enter today's quoted rate from your lender for the most accurate payment estimate.
Frequently Asked Questions
Looking for a different city? Browse all cities. For Colorado-specific property taxes, see the Colorado Property Tax Calculator.