81504 — Mesa County, Colorado Market Snapshot
Housing market data for zip code 81504 in Mesa County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
142 sales in 2026 (year to date)
Median Sale Price
$390,000
Days to Sell
29
Homes Sold
142
Inventory
102
Sale-to-List
99.4%
New Listings
192
Price/SqFt
$274
Pending Sales
160
Conforming Loan Available
Most homebuyers in 81504 can comfortably use conventional financing. The median home price of $390,000 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 81504 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 81504 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 81504 can comfortably use conventional financing. The median home price of $390,000 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 81504 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 81504
To purchase the median home at $390,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,138.
Monthly Payment
$3,138
Income Required
$134,488
Principal & Interest
$2,403/mo
Down Payment (5%)
$19,500
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 81504.
Estimated Monthly Payment
$2,564
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