Cost of Living in Baker
South Broadway's creative heart, artsy, historic, accessible
What it costs to live in Baker
Adjust the sliders for your situation. Ranges reflect uncertainty in HOA and metro district fees, narrower is more confident.
Based on your inputs below
Assumes 20% down, 30-year fixed at 6.5% (as of 2026-04-22).
Housing$3,484 – $4,084 | |
|---|---|
| Mortgage (6.5%, 20% down) | $3,059 |
| Property tax | $267 |
| HOA | $0 – $400 |
| Insurance | $158 |
| Metro district fees | not yet verified |
Transportation$509 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~3 min to downtown) | $9 |
Utilities$340 | |
|---|---|
| Electric & gas (Xcel Energy) | $205 |
| Water (Denver Water) | $65 |
| Internet | $70 |
Groceries$650 | |
|---|---|
| Monthly estimate | $650 |
Housing figures updated April 2026. Confidence: low.
Housing Market
- Median Home Price
- $587K–$626K
- Price per Sq Ft
- ~$382/sqft
- Data Year
- 2025–2026
- Year-over-Year Change
- -22.9% (May 2025, Redfin), steeper decline than Denver metro avg
- Avg Days on Market
- 40 days (up from 6 days prior year)
- Rent vs Own Ratio
- 55% renter / 45% owner
Tax Rates
- Property Tax Rate
- ~0.50% effective (Denver avg); ~79.2 mills
- Sales Tax Rate
- 9.15% combined (state + Denver local, eff. Jan 2025)
- State Income Tax Impact
- Colorado flat 4.4%
Monthly Costs
- Water Provider
- Denver Water
- Electric & Gas
- Xcel Energy
- Internet Providers
- Xfinity, CenturyLink/Quantum Fiber, Google Fiber
- Trash & Recycling
- Denver Solid Waste Management (volume-based $9–$21/mo)
Income & Cost Context
- Median Household Income
- $67K–$97K
- Cost of Living Index
- 128 (Denver city-wide, 28% above national average per BestPlaces)
Common QuestionsFAQ, Baker
What is the median home price in Baker?
The median home price in Baker ranges from $587K to $626K, with Redfin reporting ~$587K and Zillow ~$626K as of 2025–2026. Price per square foot averages ~$382. Year-over-year prices declined 22.9% (May 2025, Redfin), steeper than the Denver metro average, and the renter-to-owner ratio is 55% renter / 45% owner.
What is the cost of living in Baker?
Denver’s cost of living index is 128, or 28% above the national average per BestPlaces. Property taxes run ~0.50% effective (~79.2 mills), combined sales tax is 9.15%, and Colorado levies a flat 4.4% state income tax. Median household income in Baker ranges from $67K to $97K.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.