Sunstream Westminster CO: What It REALLY Costs to Own a Home in 2026

Sunstream in Westminster has homes from the low $400s to around $700K. But the number that really matters is what you'll pay every single month after you close. Here's the honest breakdown. This video is about the full picture, not just what a home in Sunstream costs to buy, but what it costs to own. By the end, you'll have a real number to work with. Sunstream runs from around $400K on the entry end up to about $700K at the top of the market. The median right now sits at $515K, and prices have been stable, no big swings up or down recently. At the entry end, you're typically looking at smaller square footage or a home that could use some updating. As you move up toward $600K and above, you're getting more space, more finishes, more of everything. On that $515K median, a 20% down payment comes to about $103,000. That's the number to have in your head before you start shopping seriously. Here's where it gets real. On a $515K purchase with $103K down, you're financing $412,000. At today's rate of 6.81%, that's roughly $2,690 a month in principal and interest. Now let's add the rest. HOA: Sunstream is split, the older section has no HOA at all, and the newer section runs $55 a month. That covers common area maintenance. Property taxes here run about half a percent of purchase price per year, on a $515K home, that's around $215 a month. Insurance in the Denver metro area runs about $150 a month, hail is the main thing to plan for out here, not wildfire, but you still want solid coverage. Add it up and you're looking at somewhere between $3,055 and $3,110 a month all-in, depending on which section of Sunstream you're in. One thing to confirm with your lender: whether the specific home you're looking at sits in a metro district with any additional fees or debt obligations. I can help you check that for any address. So what does $3,100 a month actually get you in Sunstream? You're in an established neighborhood, mature trees, streets that feel settled, homes that were built to last. The commute to Denver runs about 20 to 25 minutes on a normal day, and Boulder is a similar drive in the other direction. That's genuinely useful if you're working in either direction or splitting time between the two. Compare that to a newer development further out along the Front Range, you might find a lower list price, but you're adding 15 to 20 minutes each way and often landing in a metro district with higher monthly fees that close the gap fast. Sunstream's math tends to work well for buyers who want that commute access without paying Denver or Boulder prices, and who'd rather have an established neighborhood than a brand-new one. Bottom line: Sunstream is a stable, well-located neighborhood where the all-in monthly cost on a typical home lands right around $3,100. That's the honest number. If you want to run it for a specific home or a different budget, I'm happy to do that with you, just book a call and we'll work through the real numbers together. I'm David Lampe. I work in Westminster and the surrounding area, and I'm always happy to run the real numbers for whatever you're looking at. No pressure, just an honest conversation. Book a call through the link below and we'll figure out what the math actually looks like for you.