Mesa County, Colorado home prices
Typical home $428,682 · +1.6% in a year · property tax 0.38%
The typical home in Mesa County is worth $428,682, 19% less than the Colorado typical home ($529,013). Values changed +1.6% in the past year and +22.6% over five years. Homeowners here pay a median 0.38% of their home's value in property tax each year ($1,629 on the typical home), versus 0.52% statewide.
Mortgage on the typical Mesa County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $85,736 | $342,945 | $2,307 | $0 | $350 | $2,657 | $113,900 |
| 10% down | $42,868 | $385,813 | $2,595 | $161 | $350 | $3,106 | $133,100 |
| 5% down | $21,434 | $407,248 | $2,740 | $170 | $350 | $3,259 | $139,700 |
| 3.5% down (FHA) | $15,004 | $420,917 | $2,832 | $190 | $350 | $3,371 | $144,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.38% 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 Grand Junction metro area.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| El Paso County | $445,559 | -1.4% | 0.41% |
| Montezuma County | $407,031 | +1.9% | 0.29% |
| Delta County | $407,020 | +2.4% | 0.31% |
| Mineral County | $452,046 | +4.2% | 0.35% |
| Montrose County | $455,743 | +2.2% | 0.36% |
| Custer County | $399,858 | -0.7% | 0.39% |
| Teller County | $472,557 | -1.3% | 0.35% |
| Adams County | $472,857 | -2.6% | 0.61% |
| Hinsdale County | $475,661 | +0.4% | 0.31% |
| Weld County | $488,305 | -2.0% | 0.52% |
Frequently asked questions
What is the average home price in Mesa County, CO?
The typical home value in Mesa County is $428,682 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Mesa County?
About $113,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Mesa County?
The median effective rate is 0.38% of home value a year (Census ACS 2024 5-year estimates).