The typical owner-occupied home in Archuleta County is worth about $478,100, 11% below the Colorado median of $539,400 and 44% above the national median of $332,700. Owners pay a median $1,688 a year in property taxes, about 0.35% of their home's value, lower than the Colorado rate of 0.48%. The median household earns $83,065 a year, so the median home costs 5.8 times the median income (5.6 times for Colorado). 80% of occupied homes here are lived in by their owners, and 55% of those owners still have a mortgage.
Archuleta County at a glance
| Archuleta County | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $478,100 | $539,400 | $332,700 |
| Median property tax paid per year | $1,688 | $2,602 | $3,119 |
| Property tax as a share of value | 0.35% | 0.48% | 0.94% |
| Median household income | $83,065 | $95,470 | $80,734 |
| Homes lived in by their owners | 80% | 66% | 65% |
| Owner homes with a mortgage | 55% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $1,916 | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 27.5% | 22.1% | 21.0% |
| Median rent | $1,432 | $1,761 | $1,413 |
| Rent as a share of renters' income | 30.3% | 31.4% | 30.6% |
| Median year homes were built | 1996 | 1988 | 1980 |
| Vacant homes | 39.9% | 8.3% | 10.1% |
| Population | 13,900 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Archuleta County
At this week's average 30-year rate of 7.11%, buying the median Archuleta County home of $478,100 with 20% down costs about $2,912 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,708, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $124,784 for the 20%-down payment. That payment is 42% of the median Archuleta County household income of $83,065; at that income and 20% down, the 28% guideline points to a home of about $318,000.
The median rent here is $1,432 a month, so owning the median home costs about $1,480 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $95,620 |
|---|---|
| Loan amount | $382,480 |
| Principal and interest | $2,573 |
| Property taxes (0.35% a year) | $139 |
| Homeowners insurance (our estimate, 0.5% a year) | $199 |
| PMI | $0 |
| Total per month | $2,912 |
Change the numbers in the calculator
| Down payment | $16,734 |
|---|---|
| Loan amount | $469,440 |
| Principal and interest | $3,158 |
| Property taxes (0.35% a year) | $139 |
| Homeowners insurance (our estimate, 0.5% a year) | $199 |
| FHA mortgage insurance | $211 |
| Total per month | $3,708 |
Change the numbers in the calculator
Questions about home buying in Archuleta County
What is the median home value in Archuleta County?
About $478,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Archuleta County?
Homeowners pay a median $1,688 a year, which is about 0.35% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Archuleta County?
For the median home with 20% down at 7.11%, the payment is about $2,912 a month. Keeping that under 28% of gross income takes about $124,784 a year.
More about Archuleta County
- Mortgage Refinance in Archuleta County
- Debt Relief in Archuleta County
- Home Equity Loans in Archuleta County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data