The typical owner-occupied home in Eckley is worth about $118,400, 78% below the Colorado median of $539,400 and 64% below the national median of $332,700. The median household earns $60,125 a year, so the median home costs 2.0 times the median income (5.6 times for Colorado). 75% of occupied homes here are lived in by their owners, and 37% of those owners still have a mortgage.
Eckley at a glance
| Eckley | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $118,400 | $539,400 | $332,700 |
| Median property tax paid per year | – | $2,602 | $3,119 |
| Median household income | $60,125 | $95,470 | $80,734 |
| Homes lived in by their owners | 75% | 66% | 65% |
| Owner homes with a mortgage | 37% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $900 | $2,326 | $1,963 |
| Those costs as a share of the owners' income | 17.1% | 22.1% | 21.0% |
| Median rent | $935 | $1,761 | $1,413 |
| Rent as a share of renters' income | 30.4% | 31.4% | 30.6% |
| Median year homes were built | 1938 | 1988 | 1980 |
| Vacant homes | 3.3% | 8.3% | 10.1% |
| Population | 332 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Eckley
At this week's average 30-year rate of 7.11%, buying the median Eckley home of $118,400 with 20% down costs about $795 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $992, 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 $34,074 for the 20%-down payment. That payment is 16% of the median Eckley household income of $60,125; at that income and 20% down, the 28% guideline points to a home of about $209,000.
The median rent here is $935 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $23,680 |
|---|---|
| Loan amount | $94,720 |
| Principal and interest | $637 |
| Property taxes (1.10% a year) | $109 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| PMI | $0 |
| Total per month | $795 |
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| Down payment | $4,144 |
|---|---|
| Loan amount | $116,255 |
| Principal and interest | $782 |
| Property taxes (1.10% a year) | $109 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| FHA mortgage insurance | $52 |
| Total per month | $992 |
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Questions about home buying in Eckley
What is the median home value in Eckley?
About $118,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Eckley?
For the median home with 20% down at 7.11%, the payment is about $795 a month. Keeping that under 28% of gross income takes about $34,074 a year.
More about Eckley
- Mortgage Refinance in Eckley
- Debt Relief in Eckley
- Home Equity Loans in Eckley
- 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