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Baca County, CO

Rent vs Own in Baca County, Colorado

Owning the median home in Baca County clears the monthly bar: about $703/mo versus HUD's $973/mo 2-bedroom rent. The stack below shows which line items create that edge. Owner-occupied homes: 1,185.

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Buying is cheaper in Baca County

Owning runs about $703/mo here, under $973/mo to rent a comparable 2-bedroom. That is a $270/mo difference.

Based on 20% down, 6.5% rate, 30-year mortgage. Adjust below.

What This Data Tells Us About Renting vs Owning in Baca County

Primary driver

Buying compares well inside the state

Using the assumptions above, Baca County ranks 2 of 64 Colorado counties for buy-vs-rent value (rank 1 = the best relative deal for buying). It sits ahead of 62 other Colorado counties on this measure.

Decision signal 2

Income supports the median purchase price

Median household income is $46,215, and the 2.7x home-price-to-income ratio leaves room for the ownership stack (property tax alone is 1.2% of median income). The monthly gap above is more about mortgage rate and insurance assumptions than about the purchase price being out of reach.

Decision signal 3

The tax rate is a national tailwind

Baca County's 0.44% effective rate is among the lowest of 3,135 tracked counties: roughly 90% pay a higher rate. That low tax line is one reason owning can compete here.

Decision signal 4

Owning clears the monthly bar here

Baca County's median home ($122,900) carries $545/yr in property tax at 0.44%. Under a 20% down, 6.5%, 30-year stack the all-in ownership bill is about $703/mo, which undercuts HUD's $973/mo 2-bedroom Fair Market Rent by roughly $270/mo before maintenance, HOA, or closing costs.

Decision signal 5

HUD moved the rent benchmark up

HUD raised its 2-bedroom Fair Market Rent for Baca County from $933/mo in FY2025 to $973/mo in FY2026: it increased by $40/mo (+4.3%). A rising rent benchmark widens the gap in favour of owning over time, because the mortgage share of the ownership cost below is fixed at origination while the rent it is compared against reprices every year.

Methodology & disclaimer

This calculator is for informational purposes only and is not tax, legal, or financial advice. Property tax figures come from the U.S. Census Bureau ACS 5-Year Estimates and rent figures come from HUD Fair Market Rents; both describe area medians, not individual transactions. Insurance is estimated at 0.35% of home value annually and closing costs, maintenance, HOA, and PMI are not included. Consult a licensed mortgage, tax, or real-estate professional before making a buy-or-rent decision based on these numbers.

Monthly Cost Breakdown

Estimated Monthly Ownership
$703
Mortgage (P&I) $621
Property Tax $45
Insurance (est.) $36
Monthly Rent (2-BR FMR)
$973
Studio$746
1-Bedroom$771
2-Bedroom$973
3-Bedroom$1,353
4-Bedroom$1,525

Adjust Your Scenario

Affordability Context

Median Household Income
$46,215
$3,851/mo
Home Price / Income
2.7x
Affordable (≤3x)
Tax-to-Income Ratio
1.2%
National benchmark: 2-4%

Who actually pays it here

In Baca County, once the mortgage ends staying put is close to free: the largest cluster of debt-free households faces a yearly charge under $800, so insurance and upkeep, not the tax office, set what the home costs to keep.

Against that holding-cost profile, the monthly ownership stack already undercuts HUD rent here, so the long-run tax bill is an ownership feature more than a reason to keep renting.

Bill bands are Census ACS counts of owner-occupied homes without a mortgage. Income brackets are IRS Statistics of Income county data for tax year 2022, counted over FILERS reporting real-estate taxes on Schedule A, which is a smaller group than homeowners: most filers take the standard deduction.

Nearby Counties

El Paso County
Home: $461,000 Tax: $1,874/yr
Jefferson County
Home: $637,600 Tax: $3,082/yr
Arapahoe County
Home: $561,200 Tax: $2,938/yr
Denver County
Home: $616,000 Tax: $2,751/yr
Adams County
Home: $484,200 Tax: $2,962/yr
Douglas County
Home: $713,600 Tax: $3,947/yr

Frequently Asked Questions

Is it cheaper to rent or buy in Baca County, Colorado? ▼
On the standard 20%-down / 6.5% stack, owning the median Baca County home undercuts HUD's 2-bedroom rent by about $270/mo. Change the down payment, rate, or time horizon in the calculator and that gap can flip - owning also builds equity that rent never does.
What is the average rent in Baca County? ▼
HUD prices a 2-bedroom unit at $973/mo here. Sizing up matters: going from a studio to a 4-bedroom adds about $779/mo, so the per-bedroom jump is worth checking against your actual space needs before assuming the 2-BR figure applies to your situation.
How much house can you afford in Baca County? ▼
On the common 3x-income guideline, a $46,215 household here can afford up to $138,645, which comfortably covers this county's $122,900 median home price -- a healthier affordability picture than many of the counties tracked on this site.
What is the median home price in Baca County? ▼
$122,900, per the Census Bureau's ACS 5-Year Estimates. What stands out more than the price itself is the tax load on it: this county's 0.44% effective rate sits near the low end of the 3,135 counties tracked here.
How does Baca County compare to other Colorado counties for renting vs buying? ▼
Out of 64 Colorado counties ranked here on buy-vs-rent value, Baca County lands at spot 2, putting it in the more buy-favorable quarter of the state. The <a href="/states/colorado">Colorado state page</a> lists every peer county's tax bill beside this one.
Is rent going up or down in Baca County? ▼
HUD's 2-bedroom Fair Market Rent figure has risen 4.3% between the FY2025 and FY2026 publications, the two most recent years tracked here.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from the U.S. Census Bureau (American Community Survey). See our methodology for details. Retrieved and formatted by PlainPropertyTax

Source: U.S. Census Bureau, Government Finances State and local property tax revenue by jurisdiction · 2025

Verify with HUD →