The typical owner-occupied home in Mesa County is worth about $378,600, 30% below the Colorado median of $539,400 and 14% above the national median of $332,700. Owners pay a median $1,439 a year in property taxes, about 0.38% of their home's value, lower than the Colorado rate of 0.48%. The median household earns $73,658 a year, so the median home costs 5.1 times the median income (5.6 times for Colorado). 72% of occupied homes here are lived in by their owners, and 66% of those owners still have a mortgage.
Mesa County at a glance
| Mesa County | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $378,600 | $539,400 | $332,700 |
| Median property tax paid per year | $1,439 | $2,602 | $3,119 |
| Property tax as a share of value | 0.38% | 0.48% | 0.94% |
| Median household income | $73,658 | $95,470 | $80,734 |
| Homes lived in by their owners | 72% | 66% | 65% |
| Owner homes with a mortgage | 66% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $1,648 | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 22.1% | 22.1% | 21.0% |
| Median rent | $1,182 | $1,761 | $1,413 |
| Rent as a share of renters' income | 29.5% | 31.4% | 30.6% |
| Median year homes were built | 1987 | 1988 | 1980 |
| Vacant homes | 5.9% | 8.3% | 10.1% |
| Population | 158,601 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Mesa County
At this week's average 30-year rate of 7.11%, buying the median Mesa County home of $378,600 with 20% down costs about $2,315 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,946, 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 $99,220 for the 20%-down payment. That payment is 38% of the median Mesa County household income of $73,658; at that income and 20% down, the 28% guideline points to a home of about $281,000.
The median rent here is $1,182 a month, so owning the median home costs about $1,133 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $75,720 |
|---|---|
| Loan amount | $302,880 |
| Principal and interest | $2,037 |
| Property taxes (0.38% a year) | $120 |
| Homeowners insurance (our estimate, 0.5% a year) | $158 |
| PMI | $0 |
| Total per month | $2,315 |
Change the numbers in the calculator
| Down payment | $13,251 |
|---|---|
| Loan amount | $371,743 |
| Principal and interest | $2,501 |
| Property taxes (0.38% a year) | $120 |
| Homeowners insurance (our estimate, 0.5% a year) | $158 |
| FHA mortgage insurance | $167 |
| Total per month | $2,946 |
Change the numbers in the calculator
Questions about home buying in Mesa County
What is the median home value in Mesa County?
About $378,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Mesa County?
Homeowners pay a median $1,439 a year, which is about 0.38% 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 Mesa County?
For the median home with 20% down at 7.11%, the payment is about $2,315 a month. Keeping that under 28% of gross income takes about $99,220 a year.
More about Mesa County
- Mortgage Refinance in Mesa County
- Debt Relief in Mesa County
- Home Equity Loans in Mesa 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