Durango, CO home prices
Typical home $678,502 · +2.9% in a year · income needed $177,400
The Durango, CO metro area ranks 34 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.9% in a year and +32.6% over five years. With 20% down at 7.11%, the typical home costs about $4,139 a month including 0.26% property tax (La Plata County rate).
Mortgage on the typical Durango home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $135,700 | $542,801 | $3,651 | $0 | $488 | $4,139 | $177,400 |
| 10% down | $67,850 | $610,651 | $4,108 | $254 | $488 | $4,850 | $207,900 |
| 5% down | $33,925 | $644,577 | $4,336 | $269 | $488 | $5,092 | $218,200 |
| 3.5% down (FHA) | $23,748 | $666,212 | $4,482 | $300 | $488 | $5,269 | $225,800 |
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.
Counties in the Durango area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| La Plata County, CO | $678,547 | +2.9% | 0.26% |
What can you afford in Colorado on your salary? · Colorado home prices · Salaries in Colorado
Frequently asked questions
How much is a house in Durango?
The typical home in the Durango, CO metro area is worth $678,502 (Zillow, September 2026).
What salary do you need to buy a house in Durango?
About $177,400 a year for the typical home with 20% down at 7.11%.