San Miguel County, Colorado home prices
Typical home $1,644,020 · +9.0% in a year · property tax 0.26%
The typical home in San Miguel County is worth $1,644,020, 211% more than the Colorado typical home ($529,013). Values changed +9.0% in the past year and +31.4% over five years. Homeowners here pay a median 0.26% of their home's value in property tax each year ($4,334 on the typical home), versus 0.52% statewide.
Mortgage on the typical San Miguel County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $328,804 | $1,315,216 | $8,848 | $0 | $1,183 | $10,031 | $429,900 |
| 10% down | $164,402 | $1,479,618 | $9,953 | $617 | $1,183 | $11,753 | $503,700 |
| 5% down | $82,201 | $1,561,819 | $10,506 | $651 | $1,183 | $12,340 | $528,900 |
| 3.5% down (FHA) | $57,541 | $1,614,243 | $10,859 | $727 | $1,183 | $12,769 | $547,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.26% 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 |
|---|---|---|---|
| Eagle County | $1,297,015 | +2.8% | 0.42% |
| Routt County | $1,121,049 | +4.0% | 0.32% |
| Summit County | $969,592 | +0.5% | 0.32% |
| Ouray County | $791,603 | +4.4% | 0.28% |
| 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% |
Frequently asked questions
What is the average home price in San Miguel County, CO?
The typical home value in San Miguel County is $1,644,020 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in San Miguel County?
About $429,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in San Miguel County?
The median effective rate is 0.26% of home value a year (Census ACS 2024 5-year estimates).