La Plata County, Colorado home prices
Typical home $678,547 · +2.9% in a year · property tax 0.26%
The typical home in La Plata County is worth $678,547, 28% more than the Colorado typical home ($529,013). Values changed +2.9% in the past year and +32.5% over five years. Homeowners here pay a median 0.26% of their home's value in property tax each year ($1,780 on the typical home), versus 0.52% statewide.
Mortgage on the typical La Plata County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $135,709 | $542,838 | $3,652 | $0 | $488 | $4,139 | $177,400 |
| 10% down | $67,855 | $610,693 | $4,108 | $254 | $488 | $4,850 | $207,900 |
| 5% down | $33,927 | $644,620 | $4,336 | $269 | $488 | $5,093 | $218,300 |
| 3.5% down (FHA) | $23,749 | $666,257 | $4,482 | $300 | $488 | $5,270 | $225,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.26% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Colorado · part of the Durango metro area.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Elbert County | $675,289 | -2.0% | 0.45% |
| Chaffee County | $686,577 | +1.2% | 0.29% |
| Douglas County | $694,570 | -1.3% | 0.55% |
| Garfield County | $704,470 | +3.1% | 0.42% |
| Boulder County | $706,773 | -0.4% | 0.53% |
| Gunnison County | $723,157 | +3.6% | 0.29% |
| Grand County | $742,708 | -0.9% | 0.34% |
| Broomfield County | $613,654 | -0.7% | 0.6% |
| Jefferson County | $606,904 | -1.6% | 0.48% |
| Ouray County | $791,603 | +4.4% | 0.28% |
Frequently asked questions
What is the average home price in La Plata County, CO?
The typical home value in La Plata County is $678,547 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in La Plata County?
About $177,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in La Plata County?
The median effective rate is 0.26% of home value a year (Census ACS 2024 5-year estimates).