San Juan County, Colorado home prices
Typical home $548,587 · +3.5% in a year · property tax 0.32%
The typical home in San Juan County is worth $548,587, 4% more than the Colorado typical home ($529,013). Values changed +3.5% in the past year and +32.3% over five years. Homeowners here pay a median 0.32% of their home's value in property tax each year ($1,730 on the typical home), versus 0.52% statewide.
Mortgage on the typical San Juan County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $109,717 | $438,870 | $2,952 | $0 | $418 | $3,371 | $144,500 |
| 10% down | $54,859 | $493,728 | $3,321 | $206 | $418 | $3,946 | $169,100 |
| 5% down | $27,429 | $521,158 | $3,506 | $217 | $418 | $4,141 | $177,500 |
| 3.5% down (FHA) | $19,201 | $538,651 | $3,624 | $243 | $418 | $4,285 | $183,600 |
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 |
|---|---|---|---|
| Clear Creek County | $549,459 | -1.1% | 0.39% |
| Larimer County | $545,602 | -0.3% | 0.5% |
| Gilpin County | $532,990 | -4.1% | 0.23% |
| Archuleta County | $565,035 | -0.8% | 0.35% |
| Denver County | $528,188 | -1.8% | 0.45% |
| Park County | $514,002 | -1.3% | 0.33% |
| Lake County | $509,347 | +2.4% | 0.42% |
| Arapahoe County | $499,630 | -2.1% | 0.52% |
| Jefferson County | $606,904 | -1.6% | 0.48% |
| Weld County | $488,305 | -2.0% | 0.52% |
Frequently asked questions
What is the average home price in San Juan County, CO?
The typical home value in San Juan County is $548,587 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in San Juan County?
About $144,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in San Juan County?
The median effective rate is 0.32% of home value a year (Census ACS 2024 5-year estimates).