Cost of Living in Castle Rock
Outdoor adventurers wanting space and trails
What it costs to live in Castle Rock
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$3,736 – $4,196 | |
|---|---|
| Mortgage (6.5%, 20% down) | $3,236 |
| Property tax | $293 |
| HOA | $40 – $300 |
| Insurance | $167 |
| Metro district fees | not yet verified |
Transportation$647 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~53 min to downtown) | $147 |
Utilities$365 | |
|---|---|
| Electric & gas (Xcel Energy or CORE Electric Cooperative (varies by area); Black Hills Energy (gas)) | $205 |
| Water (Castle Rock Water (Town-managed)) | $90 |
| Internet | $70 |
Groceries$650 | |
|---|---|
| Monthly estimate | $650 |
Housing figures updated April 2026. Confidence: low.
car-dependent
Housing Market
- Median Home Price
- $623K–$660K
- Price per Sq Ft
- ~$250/sqft
- Data Year
- 2026
Tax Rates
- Property Tax Rate
- ~0.55% effective (Douglas County; mill levy ~66.6 before special districts)
- Sales Tax Rate
- 8.1% (state 2.9% + county 1% + town 4.2%)
- Vehicle Registration
- Standard Colorado
- State Income Tax Impact
- 4.4% flat
- Cost of Living vs National
- ~44% above national average
Monthly Costs
- Water Provider
- Castle Rock Water (Town-managed)
- Electric & Gas
- Xcel Energy or CORE Electric Cooperative (varies by area); Black Hills Energy (gas)
- Internet Providers
- Comcast/Xfinity, CenturyLink/Quantum Fiber, Spectrum
- Trash & Recycling
- Waste Connections (Town contract)
- Snow Removal
- Town of Castle Rock public roads
Income & Cost Context
- Cost of Living Index
- 143.6 (national avg = 100)
- Avg Childcare Cost
- $1,300–$1,500
Common QuestionsFAQ, Castle Rock
What is the median home price in Castle Rock?
As of early 2026, the median home price in Castle Rock is approximately $623K–$660K (Redfin reports $625K median sale price; Zillow’s typical home value is $662K). The median price per square foot is roughly $251. Prices have declined 2–5% year-over-year, and homes are averaging about 97 days on market.
What is the cost of living in Castle Rock?
Castle Rock’s cost of living index is approximately 143.6 (national average = 100), meaning it’s about 44% above the national average. Property tax is roughly 0.55% effective rate (Douglas County). Sales tax is 8.1% combined (state + county + town). Colorado has a flat 4.4% state income tax. Water is managed by Castle Rock Water; the town actively conserves due to limited local water supply, averaging 114 gallons per capita daily.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.