Aurora CO · Arapahoe County · Built 2015–Present

Hilltop at Inspiration — True Annual Cost

HOA · Arapahoe County · Colorado property tax · All-in monthly

OverviewTrue CostsDenver HubCO Tax Guide

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HOA Fee

Hilltop at Inspiration HOA: verify current fee with Taylor Morrison or the HOA management company. Communities of this scale with a 20,000+ sq ft clubhouse, indoor pool, and lifestyle director typically run $175–$275/month. Roof and exterior are owner responsibility for single-family homes.

Colorado Property Tax — Lowest of Any Major Market

Property Tax — Arapahoe County (~0.6% effective)

$650K home, standard homestead~$3,900/yr
$700K home, standard homestead~$4,200/yr
$800K home, standard homestead~$4,800/yr
$700K home, with 65+ senior exemption (10yr+)~$3,600/yr
vs Spalding County GA same price (20yr gap)~$111,600 savings
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All-In Monthly

All-In Monthly Estimate

Mortgage (30yr, 6.5%, 20% down, $700K)~$3,539/mo
HOA fee~$225/mo
Property tax (monthly, no senior exemption)~$350/mo
Insurance (Colorado, hail coverage)~$250/mo
Total all-in monthly~$4,364/mo
Colorado hail insurance noteColorado is in the nation’s hail belt. Insurance premiums are higher than the national average — $2,500–$4,500/year for a $700K home in the Denver area. Class IV impact-resistant roofing can reduce premiums by 20–30%. Ask builders about roof class when purchasing new construction.

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