All-in monthly cost — $525K Hilltop home
HOA (est. combined Hilltop + master)~$200/mo
Arapahoe Co. tax (~0.65%)~$284/mo
Homeowners insurance (CO hail)~$140–$190/mo
Utilities~$165–$210/mo
Total monthly carrying cost~$789–$884/mo
All-in monthly cost — $650K Hilltop home
HOA (est. combined)~$200/mo
Arapahoe Co. tax (~0.65%)~$352/mo
Homeowners insurance (CO hail)~$175–$230/mo
Utilities~$175–$225/mo
Total monthly carrying cost~$902–$1,007/mo
Arapahoe County vs Douglas County — the tax gap at Inspiration price pointsOn a $650K home, Arapahoe County (~0.65%) runs ~$352/month. Douglas County (~0.58%) on the same home would be ~$315/month — a $37/month difference ($444/year). Over 20 years that’s ~$8,880. Buyers comparing Hilltop (Arapahoe) against Regency at Montaine (Douglas) at comparable price points should factor this gap into their analysis, though the Aurora medical corridor proximity is a substantial offset for buyers who value healthcare access.