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Monument, CO | City Real Estate Market Analysis

Monument, El Paso County, Colorado
City Analysis Real Estate Market CO El Paso County
Monument
Market Insight

Monument, CO Investment Potential Analysis

Market analysis for Monument, CO will appear here once data is available. This section will surface investment opportunities, risk assessments, neighbourhood trends, and local real estate insights specific to this market.

Avg. Home Value
🏠 Median residential property value in Monument.
0.47%
Property Tax Rate
🏛️ Effective property tax rate for this market.
$103,419
Avg. Household Income
💵 Average annual household income in the area.
7,199
Population
👥 Total city population estimate.
Unemployment Rate
📊 Local unemployment vs. national benchmark.

Monument, CO Real Estate Market Property Overview

  • Real estate market overview for Monument, CO, El Paso County
  • Population of 7,199
  • Average household income of $103,419
  • Property tax rate of 0.47%
  • Median resident age of 38.40

Property Details

City Monument State Colorado
County El Paso Country USA
Population 7,199 Median Age 38.40
Avg. Household Income $103,419 Median Home Value N/A
Unemployment Rate N/A Property Tax Rate 0.47%
Top Industries N/A Economic Overview N/A
Coordinates 39.0736, -104.8467 Properties Listed 0

Model investment returns using Monument, CO market data as defaults

25%
5.0%
30 years
0.47%
5 years
3.0%
Down Payment Amount:$125,000
Loan Amount:$375,000
Monthly Mortgage:$2,012
Monthly Tax:$490
Total Monthly Payment:$2,502
Monthly Cash Flow:$581
Cash on Cash Return:5.6%
Cap Rate:5.0%
Debt Coverage Ratio:1.23x
IRR (5 years):8.4%
Projected Property Value:$579,637
Total Equity:$234,891
📊Monthly Payment Analysis

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💵Cash on Cash Return

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🚀Internal Rate of Return

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🏛️Property Tax Analysis

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* Calculations use Monument, CO median home value as the default purchase price. All figures are estimates only. Consult financial and legal professionals before investing.

Capital Allocation Comparison

Direct ownership vs. passive CRE platform exposure

Compare the same starting capital across two allocation paths: direct property ownership with operational responsibility, debt exposure, and single-asset concentration, versus a professionally managed REI Capital platform strategy built around institutional underwriting and a 9% target annual growth projection.

Direct Property Ownership
  • Concentrated exposure to one property and market
  • Debt service, refinancing, and rate sensitivity
  • Active leasing, vendor, and asset oversight
  • Vacancy, capex, and maintenance obligations
  • Illiquid exit process with timing risk
  • Transaction costs can compress realized returns
Projected direct ownership outcome Calculating…
VS
REI Capital Platform Exposure
  • Passive exposure without direct operator liability
  • Institutional underwriting and acquisition discipline
  • Professional asset management and reporting
  • Strategy designed to reduce single-asset concentration
  • 9% annual target growth projection for comparison
  • Curated deal flow with a passive capital framework
Projected platform exposure at 9% target Calculating…
Projected difference

Calculating the comparison…

* REI Capital Growth uses a 9% target annual growth projection for comparison only. Returns are not guaranteed and actual results may vary. Consult a financial professional before making investment decisions.

Who This Is Designed For

Built for investors evaluating passive commercial real estate exposure

REI Capital is positioned for investors who want institutional-quality underwriting, disciplined capital deployment, and real estate exposure without managing the asset directly.

Accredited Investors

Deploy capital into a professionally managed real estate strategy without taking on daily operator responsibilities.

Family Offices

Evaluate long-duration CRE exposure with an emphasis on underwriting discipline and capital preservation.

1031 Exchange Buyers

Compare direct replacement ownership against passive alternatives with reduced operational complexity.

High-Income Professionals

Access commercial real estate exposure while preserving time, focus, and liquidity for core priorities.

Where Your NOI Goes Each Month

* Distribution based on current inputs. Actual expenses may vary.

ROI Over Time: Direct Ownership vs REI Capital

* Property return uses a conservative 3.8%–4.2% annual capital appreciation assumption. REI Capital uses a 9% target projection. Returns are not guaranteed.

Deployment Scenario Analysis

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Same starting capital. Compare a direct ownership path against passive capital deployment through REI Capital.

Direct ownership (3.8%–4.2% appreciation) REI Capital (9% target)

* "Direct ownership" shows the same down payment growing at the selected 3.8%–4.2% annual capital appreciation rate. "REI Capital" shows the same down payment growing at 9% annual target. Returns are not guaranteed.

Allocation Rationale

Why sophisticated investors choose passive CRE exposure

Direct ownership can be powerful, but it also concentrates capital, time, and execution risk into one asset. Passive CRE exposure helps investors participate in professionally managed real estate strategies while reducing the operational burden of owning the property themselves.

  • Professional underwriting before capital deployment
  • Reduced exposure to single-asset operational demands
  • Access to institutional sourcing and asset management
  • Passive framework built for long-term capital strategy
  • Clearer comparison against direct ownership costs
  • Time-efficient exposure for qualified investors
Investor Materials

A more efficient way to deploy capital

The analysis above is only the starting point. Review the REI Capital investment materials to understand the acquisition strategy, underwriting framework, risk controls, and investor onboarding process behind the 9% target projection.

  • Acquisition strategy & deal flow
  • Underwriting and risk framework
  • Platform team and execution process
  • Investor qualification and next steps
Access Investment Materials

For qualified investors · Private overview · PDF access

Investment Due Diligence For Monument, CO Income Property

Key questions for informed investment decisions

What is the overall investment potential of Monument, CO, considering its demographic and economic factors? +
The combination of a high median household income of $103,419, a low poverty rate of 2.9%, and a strong health insurance coverage rate of 96.2% suggests a stable and attractive market for real estate investment, with a population that is likely to have a steady income and access to healthcare, which is further supported by the top industries in Professional, Scientific, & Technical Services, Retail Trade, and Finance & Insurance.
How does the ethnic diversity and commute time in Monument, CO impact the rental market? +
The city's ethnic diversity, with a majority of White (83.1%) and White Non-Hispanic (78.2%) residents, and a significant Hispanic (7.3%) population, contributes to a culturally rich community, while the average commute time of 24.4 minutes and the prevalence of driving alone (83.2%) or working from home (8.1%) indicate a convenient and flexible transportation situation, which can attract a wide range of renters.
What are the key factors that influence the quality of life in Monument, CO, and how do they affect real estate investment? +
The quality of life in Monument, CO is influenced by factors such as the high health insurance coverage rate of 96.2%, the low poverty rate of 2.9%, and the relatively short average commute time of 24.4 minutes, which collectively contribute to a stable and desirable living environment, making it an attractive location for real estate investment, particularly in the context of the city's strong top industries and high median household income.
How does the income inequality and employment rate in Monument, CO impact the real estate market? +
The GINI coefficient of 0.341 indicates a relatively low level of income inequality, and the employed population of 3,441, combined with a low unemployment rate of 1.8%, suggests a strong and stable labor market, which can lead to a high demand for housing and a low vacancy rate, making Monument, CO an appealing location for real estate investors, especially considering the city's top industries and median property value of $433,400.
What are the implications of the homeownership rate and median property value in Monument, CO for real estate investors? +
The high homeownership rate of 86.3% and the median property value of $433,400 indicate a strong and stable housing market, with a high demand for owner-occupied housing, which can lead to a relatively low rental yield, but the city's strong economic fundamentals, including a high median household income and low poverty rate, suggest that investing in rental properties can still be a viable option, particularly for investors who are looking for long-term appreciation and stability.
What are some of the best neighborhoods to live in Monument? +
Some of the best neighborhoods to live in Monument include Jackson Creek, Woodmoor, and North Woodmoor. These neighborhoods offer a range of housing options, from single-family homes to townhouses, and are known for their natural beauty, outdoor recreational opportunities, and strong sense of community.
What are some fun things to do in Monument? +
There are plenty of fun things to do in Monument, including visiting Garden of the Gods, Manitou Springs, and Monument Lake. You can also explore the town's independent restaurants, craft brewery, and distillery, or go hiking and biking in the surrounding mountains and forests. Additionally, the town hosts various events and festivals throughout the year, such as the Monument Farmers' Market and the Tri-Lakes Arts and Crafts Fair.
What is the food scene like in Monument? +
The food scene in Monument is diverse and thriving, with a range of restaurants serving everything from classic American comfort food to gourmet cuisine. Some popular restaurants include Rosie's Diner, Black Forest Foods Cafe & Delicatessen, Bistro on 2nd, and Goat Patch Brewing Company. There are also plenty of great food trucks and cafes in the area, offering everything from burgers and tacos to coffee and pastries.
What are the pros and cons of living in Monument? +
The pros of living in Monument include its natural beauty, outdoor recreational opportunities, and strong sense of community. The town is also known for its good schools, low crime rate, and relatively low cost of living. However, some cons of living in Monument include its limited job opportunities, traffic congestion, and limited public transportation options. Additionally, the town can be quite crowded during peak tourist season, which may be a drawback for some residents.
Is Monument a good place to live? +
Overall, Monument is a great place to live for people who value natural beauty, outdoor recreation, and a strong sense of community. The town offers a range of housing options, good schools, and a relatively low cost of living, making it an attractive option for families and individuals alike. However, it may not be the best fit for everyone, particularly those who prioritize job opportunities, public transportation, or a more urban lifestyle. Ultimately, whether or not Monument is a good place to live depends on your individual priorities and preferences.

Things Near Monument, CO

Metro Center Station

0.2 miles

Grand Central Market

0.4 miles

About Monument

Monument, CO is a stable investment market with a median household income of $103,419 and relatively low poverty rate of 2.9%. This market tends to attract professionals and families due to its high median age of 38.4 and excellent education system, with a high school graduation rate of 97.3% and 63.2% of residents holding a bachelor's degree or higher. The top industries in the area, including Professional, Scientific, & Technical Services, Retail Trade, and Finance & Insurance, provide a diverse range of job opportunities. However, the 4.2% foreign-born rate and relatively low ethnic diversity, with 83.1% of the population identifying as White, may suggest some limitations in terms of cultural and economic exchange. The average commute time of 24.4 minutes is relatively short, and the high health insurance coverage rate of 96.2% indicates a relatively healthy population. On the other hand, the median property value of $433,400 and median property taxes of $2,233 may be a barrier to entry for some investors. Additionally, the 3.8% of residents without health insurance and the 1.8% unemployment rate suggest some risk, although these numbers are relatively low compared to other areas. Overall, Monument, CO offers a unique combination of stability, education, and job opportunities that make it an attractive investment market, but investors should carefully consider the potential challenges and limitations.

Population 7,199
Median Age 38.40
Avg. Household Income $103,419
Investor Materials

Access the REI Capital investment overview

Review the acquisition strategy, underwriting framework, risk considerations, and investor onboarding process in one private PDF.

Access Investment Materials