Cost of Living in Lone Tree
Light rail, Park Meadows, and RidgeGate, the south metro's urban-suburban pivot
What it costs to live in Lone Tree
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$5,249 – $5,719 | |
|---|---|
| Mortgage (6.5%, 20% down) | $4,526 |
| Property tax | $460 |
| HOA | $30 – $300 |
| Insurance | $233 |
| Metro district fees | not yet verified |
Transportation$584 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~30 min to downtown) | $84 |
Utilities$360 | |
|---|---|
| Electric & gas (Xcel Energy (primary); CORE Electric Cooperative (some areas)) | $205 |
| Water (Southgate Water & Sanitation Districts (varies by address, Cottonwood, Meridian Metropolitan also serve parts of the city)) | $85 |
| Internet | $70 |
Groceries$650 | |
|---|---|
| Monthly estimate | $650 |
Housing figures updated April 2026. Confidence: medium.
car-dependent overall; RidgeGate/Park Meadows areas score 68–80
Housing Market
- Median Home Price
- $825K–$965K
- Price per Sq Ft
- ~$319/sqft
- Data Year
- 2026
- Year-over-Year Change
- +9.2% (Redfin) / -3.8% (Zillow), divergent due to small sample
- Avg Days on Market
- 13–38 days (seasonal)
Tax Rates
- Property Tax Rate
- ~0.63% effective (Douglas County)
- Sales Tax Rate
- 7.5% (state 2.9% + county 1.0% + city 2.5% + special 1.1%)
- Vehicle Registration
- Standard Colorado
- State Income Tax Impact
- 4.4% flat
- Cost of Living vs National
- ~25–44% above national average (housing index ~209)
Monthly Costs
- Water Provider
- Southgate Water & Sanitation Districts (varies by address, Cottonwood, Meridian Metropolitan also serve parts of the city)
- Electric & Gas
- Xcel Energy (primary); CORE Electric Cooperative (some areas)
- Internet Providers
- Xfinity/Comcast (98% coverage, up to 2 Gbps), CenturyLink/Quantum Fiber (82.5% coverage, up to 1 Gbps)
- Trash & Recycling
- Waste Connections (city contract, free for single-family homes)
Income & Cost Context
- Median Household Income
- $124,000
- Cost of Living Index
- 125–144 (national avg = 100)
- Avg Childcare Cost
- $918–$1,009/mo
Common QuestionsFAQ, Lone Tree
What is the median home price in Lone Tree?
As of 2026, the median home price ranges from $825K (Redfin) to $965K (Zillow), with the divergence reflecting different methodologies and a small monthly sample (~13 sales/month). Townhomes start around $593K, single-family homes range $825K–$965K, and luxury estates in Heritage Estates or McArthur Ranch reach $1.2M–$3.5M. New construction at RidgeGate offers entry points from $400K (condos/townhomes) to $900K+ (single-family).
What is happening with the RidgeGate development in Lone Tree?
RidgeGate is a 3,500-acre master-planned development projected to add 30,000 residents and 50,000 jobs at buildout. Currently active: Lyric at RidgeGate (1,900 homes by Shea/Lokal/Thrive/Infinity, $400K–$900K+), Willow Creek (274 townhomes, breaking ground 2026), King Soopers Marketplace (123,000 sqft, 2027), High Note Regional Park (80 acres, Phase 1 by 2027), and 101-unit affordable senior housing (completion 2026). The E Line light rail already serves RidgeGate Parkway station.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.