Ouray County, Colorado home prices
Typical home $791,603 · +4.4% in a year · property tax 0.28%
The typical home in Ouray County is worth $791,603, 50% more than the Colorado typical home ($529,013). Values changed +4.4% in the past year and +25.7% over five years. Homeowners here pay a median 0.28% of their home's value in property tax each year ($2,194 on the typical home), versus 0.52% statewide.
Mortgage on the typical Ouray County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $158,321 | $633,282 | $4,260 | $0 | $579 | $4,839 | $207,400 |
| 10% down | $79,160 | $712,442 | $4,793 | $297 | $579 | $5,668 | $242,900 |
| 5% down | $39,580 | $752,022 | $5,059 | $313 | $579 | $5,951 | $255,000 |
| 3.5% down (FHA) | $27,706 | $777,265 | $5,229 | $350 | $579 | $6,157 | $263,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.28% 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 |
|---|---|---|---|
| Grand County | $742,708 | -0.9% | 0.34% |
| Gunnison County | $723,157 | +3.6% | 0.29% |
| Boulder County | $706,773 | -0.4% | 0.53% |
| Garfield County | $704,470 | +3.1% | 0.42% |
| Douglas County | $694,570 | -1.3% | 0.55% |
| Chaffee County | $686,577 | +1.2% | 0.29% |
| La Plata County | $678,547 | +2.9% | 0.26% |
| Elbert County | $675,289 | -2.0% | 0.45% |
| Broomfield County | $613,654 | -0.7% | 0.6% |
| Summit County | $969,592 | +0.5% | 0.32% |
Frequently asked questions
What is the average home price in Ouray County, CO?
The typical home value in Ouray County is $791,603 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ouray County?
About $207,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ouray County?
The median effective rate is 0.28% of home value a year (Census ACS 2024 5-year estimates).