Mortgage Rates in Pueblo, Colorado — March 2026
Updated March 2026 | Based on Pueblo market data and regional lending conditions
Pueblo is a growing city in Colorado with a population of 111,876. The current 30-year fixed mortgage rate in Pueblo is 6.62%, which is 0.03% below the national average. With a median home price of $245,000 and a 20% down payment of $49,000, homebuyers can expect a monthly principal and interest payment of approximately $1,254.
Current Mortgage Rates in Pueblo, CO
Below are the current average mortgage rates available in the Pueblo area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.86% | 5.89% | -0.03% |
| 5/1 ARM | 6.12% | 6.15% | -0.03% |
| FHA | 6.22% | 6.25% | -0.03% |
| VA | 6.02% | 6.05% | -0.03% |
| Jumbo | 6.82% | 6.85% | -0.03% |
Pueblo Housing Market Overview
The Pueblo housing market offers relatively affordable housing compared to many major cities. The median household income in Pueblo is $42,250, and the cost of living index is 87.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $58,200 to comfortably afford the median-priced home in Pueblo, which exceeds the current median household income.
Monthly Payment Breakdown for Pueblo
Based on the median home price of $245,000 with 20% down ($49,000), here is what you can expect to pay monthly in Pueblo:
15-Year vs. 30-Year Mortgage in Pueblo
Choosing a 15-year mortgage in Pueblo at 5.86% instead of a 30-year at 6.62% would save you $156,420 in total interest over the life of the loan. However, your monthly payment would be $1,639 instead of $1,254 — an increase of $385 per month.
Calculate Your Pueblo Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Pueblo
What are the current mortgage rates in Pueblo, CO?
As of March 2026, the average 30-year fixed mortgage rate in Pueblo, Colorado is 6.62%, while the 15-year fixed rate is 5.86%. FHA loans average 6.22% and VA loans 6.02%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Pueblo?
Based on the median home price of $245,000 with 20% down, the estimated monthly mortgage payment in Pueblo is $1,254 for principal and interest. Including property taxes of $104/month, the total monthly housing cost is approximately $1,358.
What income do I need to buy a home in Pueblo?
Using the 28% rule, you would need an annual income of approximately $58,200 to afford the median-priced home in Pueblo at $245,000. The median household income in Pueblo is $42,250. This means most households would need to either earn above the median or consider homes below $245,000.
Is Pueblo a good place to buy a home in 2026?
Pueblo offers a below-average cost of living with a cost of living index of 87.5 (national average = 100). The property tax rate in Colorado is 0.51%, which is below the national average. Pueblo has a population of 111,876 and offers a very affordable lifestyle.
Mortgage Rates in Other Colorado Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Pueblo, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.