The typical owner-occupied home in Ophir is worth about $906,300, 68% above the Colorado median of $539,400 and 2.7 times the national median of $332,700. Owners pay a median $2,400 a year in property taxes, about 0.26% of their home's value, lower than the Colorado rate of 0.48%. The median household earns $135,179 a year, so the median home costs 6.7 times the median income (5.6 times for Colorado). 71% of occupied homes here are lived in by their owners, and 79% of those owners still have a mortgage.
Ophir at a glance
| Ophir | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $906,300 | $539,400 | $332,700 |
| Median property tax paid per year | $2,400 | $2,602 | $3,119 |
| Property tax as a share of value | 0.26% | 0.48% | 0.94% |
| Median household income | $135,179 | $95,470 | $80,734 |
| Homes lived in by their owners | 71% | 66% | 65% |
| Owner homes with a mortgage | 79% | 69% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 19.0% | 22.1% | 21.0% |
| Median rent | – | $1,761 | $1,413 |
| Median year homes were built | 1995 | 1988 | 1980 |
| Vacant homes | 13.2% | 8.3% | 10.1% |
| Population | 120 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Ophir
At this week's average 30-year rate of 7.11%, buying the median Ophir home of $906,300 with 20% down costs about $5,451 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $7,107, 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 $233,631 for the 20%-down payment. That payment is 48% of the median Ophir household income of $135,179; at that income and 20% down, the 28% guideline points to a home of about $524,000.
| Down payment | $181,260 |
|---|---|
| Loan amount | $725,040 |
| Principal and interest | $4,877 |
| Property taxes (0.26% a year) | $196 |
| Homeowners insurance (our estimate, 0.5% a year) | $378 |
| PMI | $0 |
| Total per month | $5,451 |
Change the numbers in the calculator
| Down payment | $31,720 |
|---|---|
| Loan amount | $889,885 |
| Principal and interest | $5,986 |
| Property taxes (0.26% a year) | $196 |
| Homeowners insurance (our estimate, 0.5% a year) | $378 |
| FHA mortgage insurance | $547 |
| Total per month | $7,107 |
Change the numbers in the calculator
Questions about home buying in Ophir
What is the median home value in Ophir?
About $906,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ophir?
Homeowners pay a median $2,400 a year, which is about 0.26% 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 Ophir?
For the median home with 20% down at 7.11%, the payment is about $5,451 a month. Keeping that under 28% of gross income takes about $233,631 a year.
More about Ophir
- Mortgage Refinance in Ophir
- Debt Relief in Ophir
- Home Equity Loans in Ophir
- 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