81501 — Mesa County, Colorado Market Snapshot
Housing market data for zip code 81501 in Mesa County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
89 sales in 2026 (year to date)
Median Sale Price
$352,235
Days to Sell
28
Homes Sold
89
Inventory
75
Sale-to-List
97.3%
New Listings
126
Price/SqFt
$272
Pending Sales
101
Conforming Loan Available
Most homebuyers in 81501 can comfortably use conventional financing. The median home price of $352,235 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 81501 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 81501 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 81501 can comfortably use conventional financing. The median home price of $352,235 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 81501 are set at the county level.
2026 Loan Limits — Mesa County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 81501
To purchase the median home at $352,235 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,849.
Monthly Payment
$2,849
Income Required
$122,088
Principal & Interest
$2,170/mo
Down Payment (5%)
$17,612
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 81501.
Estimated Monthly Payment
$2,330
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