Saguache County, Colorado home prices
Typical home $241,669 · -3.5% in a year · property tax 0.32%
The typical home in Saguache County is worth $241,669, 54% less than the Colorado typical home ($529,013). Values changed -3.5% in the past year and +5.9% over five years. Homeowners here pay a median 0.32% of their home's value in property tax each year ($784 on the typical home), versus 0.52% statewide.
Mortgage on the typical Saguache County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,334 | $193,335 | $1,301 | $0 | $186 | $1,487 | $63,700 |
| 10% down | $24,167 | $217,502 | $1,463 | $91 | $186 | $1,740 | $74,600 |
| 5% down | $12,083 | $229,586 | $1,544 | $96 | $186 | $1,826 | $78,300 |
| 3.5% down (FHA) | $8,458 | $237,292 | $1,596 | $107 | $186 | $1,889 | $81,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.32% 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.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Washington County | $243,941 | -3.0% | 0.39% |
| Las Animas County | $238,422 | -5.3% | 0.23% |
| Kit Carson County | $233,624 | +3.2% | 0.49% |
| Lincoln County | $250,552 | +4.7% | 0.44% |
| Phillips County | $252,008 | +0.7% | 0.56% |
| Logan County | $252,455 | +1.0% | 0.46% |
| Huerfano County | $264,499 | -1.6% | 0.28% |
| Conejos County | $212,372 | +1.3% | 0.4% |
| Yuma County | $272,569 | +3.0% | 0.47% |
| Pueblo County | $282,303 | -2.3% | 0.5% |
Frequently asked questions
What is the average home price in Saguache County, CO?
The typical home value in Saguache County is $241,669 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saguache County?
About $63,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saguache County?
The median effective rate is 0.32% of home value a year (Census ACS 2024 5-year estimates).