Cost of Living in Berthoud
Small-town sleeper at the southern gateway to Northern Colorado
What it costs to live in Berthoud
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$3,530 – $3,830 | |
|---|---|
| Mortgage (6.5%, 20% down) | $3,084 |
| Property tax | $279 |
| HOA | $0 – $100 |
| Insurance | $167 |
| Metro district fees | not yet verified |
Transportation$722 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~79 min to downtown) | $222 |
Utilities$350 | |
|---|---|
| Electric & gas (Xcel Energy) | $205 |
| Water (Town of Berthoud) | $75 |
| Internet | $70 |
Groceries$650 | |
|---|---|
| Monthly estimate | $650 |
Housing figures updated April 2026. Confidence: low.
car-dependent
Housing Market
- Median Home Price
- $590K–$625K
- Data Year
- 2026
- Year-over-Year Change
- +3–5%
- Avg Days on Market
- 45–55
Tax Rates
- Property Tax Rate
- ~0.55%
- Sales Tax Rate
- 7.4%
- Cost of Living vs National
- ~8% above national average (Larimer County)
Monthly Costs
- Water Provider
- Town of Berthoud
- Electric & Gas
- Xcel Energy
- Internet Providers
- Comcast/Xfinity, CenturyLink/Lumen
- Trash & Recycling
- Town services
Income & Cost Context
- Median Household Income
- $95,000
- Cost of Living Index
- ~8% above national average
- Avg Childcare Cost
- $1,100–$1,400
Common QuestionsFAQ, Berthoud
What is the median home price in Berthoud?
The median home price in Berthoud ranges from $590K to $625K as of 2026 (Redfin ~$590K, Zillow ZHVI ~$625K). Year-over-year prices have increased 3–5%, with homes averaging 45–55 days on market. HOA fees of $150–$250/mo are typical in newer areas. The population has grown approximately 25% over the past five years.
What is the cost of living in Berthoud?
The cost of living in Berthoud is approximately 8% above the national average. The property tax rate is ~0.55%, and the combined sales tax rate is 7.4%. Colorado’s state income tax is a flat 4.4%. The median household income is $95,000. Berthoud is in Larimer County, which generally carries higher property values than neighboring Weld County communities.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.