STERLING RANCH · LITTLETON, CO 80125
Sterling Ranch True Monthly Cost Calculator
Mortgage, builder buydown, property tax with the metro district, HOA and insurance — in one number.
Independent buyer guide by Simon & Ewelina Team | Your Castle Realty · Facts checked Oct 21, 2026
Default tax rate 1.2% is in the range builders quote for Sterling Ranch (≈1.15–1.28%). Metro district estimate uses 95.522 mills × 6.25% assessment (most Sterling Ranch districts, 2025 levy) and is already part of the total tax. Many Sterling Ranch homes have no HOA — set it to $0 if so. Estimates only — not a loan offer. Mortgage insurance not included. Ask a lender for exact numbers.
Get real numbers + incentivesCommon questions
What is the total property tax on a new home in Sterling Ranch?
Builders estimate about 1.15%–1.28% of the price per year, including the metro district. On $700,000 that is roughly $8,000–$9,000 a year. Use our cost calculator, and we confirm the exact figure with the county before you buy.
Do I have to use the builder's lender?
No, but most incentives (rate buydowns, closing credits) require the builder's affiliated lender. We help you compare the builder's offer against an outside lender so you see the real savings.
Get this month's builder incentives
Free list of every Sterling Ranch incentive and move-in-ready home, plus we register you with the builder before your first model visit — so you have your own Realtor on your side at no extra cost when the builder pays agents.
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