Montrose County, Colorado home prices
Typical home $455,743 · +2.2% in a year · property tax 0.36%
The typical home in Montrose County is worth $455,743, 14% less than the Colorado typical home ($529,013). Values changed +2.2% in the past year and +24.6% over five years. Homeowners here pay a median 0.36% of their home's value in property tax each year ($1,625 on the typical home), versus 0.52% statewide.
Mortgage on the typical Montrose County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $91,149 | $364,594 | $2,453 | $0 | $363 | $2,816 | $120,700 |
| 10% down | $45,574 | $410,169 | $2,759 | $171 | $363 | $3,293 | $141,100 |
| 5% down | $22,787 | $432,956 | $2,913 | $180 | $363 | $3,456 | $148,100 |
| 3.5% down (FHA) | $15,951 | $447,488 | $3,010 | $202 | $363 | $3,575 | $153,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.36% 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 Montrose metro area.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Mineral County | $452,046 | +4.2% | 0.35% |
| El Paso County | $445,559 | -1.4% | 0.41% |
| Teller County | $472,557 | -1.3% | 0.35% |
| Adams County | $472,857 | -2.6% | 0.61% |
| Hinsdale County | $475,661 | +0.4% | 0.31% |
| Mesa County | $428,682 | +1.6% | 0.38% |
| Weld County | $488,305 | -2.0% | 0.52% |
| Arapahoe County | $499,630 | -2.1% | 0.52% |
| Montezuma County | $407,031 | +1.9% | 0.29% |
| Delta County | $407,020 | +2.4% | 0.31% |
Frequently asked questions
What is the average home price in Montrose County, CO?
The typical home value in Montrose County is $455,743 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Montrose County?
About $120,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Montrose County?
The median effective rate is 0.36% of home value a year (Census ACS 2024 5-year estimates).