81505 — Mesa County, Colorado Market Snapshot
Housing market data for zip code 81505 in Mesa County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$346,698
Days to Sell
59
Homes Sold
15
Inventory
8
Sale-to-List
99.3%
New Listings
11
Price/SqFt
$248
Pending Sales
12
Conforming Loan Available
Most homebuyers in 81505 can comfortably use conventional financing. The median home price of $346,698 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
81505's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 81505 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 81505 can comfortably use conventional financing. The median home price of $346,698 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 81505 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 81505
To purchase the median home at $346,698 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,806.
Monthly Payment
$2,806
Income Required
$120,269
Principal & Interest
$2,136/mo
Down Payment (5%)
$17,335
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 81505.
Estimated Monthly Payment
$2,296
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