Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$407,020+2.4% YoY · prices are rising
Market right nowBalanced marketFewer homes for sale than last year, 17% have cut their price
Income needed to buy, per year$88,233About 1.5× the local median income ($60,514): a stretch for a typical household
Days on market96 daysSlower than a year ago: buyers have time to negotiate
The typical home in Delta County, CO is worth $407,020, up 2.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $339,473, so the area is 19.9% overvalued. It is a balanced market: homes take about 96 days to sell, listings are down 8% from a year ago, 17% of listings have had a price cut. A household needs about $88,233 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,514. Typical rent is $1,238 a month. In the latest IRS figures, 354 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$407,020
Change in 1 year
+2.4%
Overvalued %
+19.9%
Show 6 more
Fair home value
$339,473
Change in 5 years
+20.2%
Home value to income
6.7×
Monthly mortgage payment (20% down)
$2,206
Income needed to afford it
$88,233
Property tax rate
0.31%
Rent and investing
Typical rent
$1,238
Price-to-rent ratio
27.4×
HUD Fair Market Rent, 2 bedrooms
$1,266
Show 2 more
Gross rental yield
3.65%
Cap rate (estimate)
2.37%
Market activity
Listings vs a year ago
−7.5%
Days on market
96
Listings with a price cut
16.6%
Show 3 more
Homes for sale
246
Pending sales per 100 listings
15
Asking price per sq ft
$273
People and jobs
Median household income
$60,514
Population change (1 year)
−0.4%
Unemployment rate
3.1%
Show 4 more
Population
32,178
Income adjusted for cost of living
$62,066
Net moves in (IRS)
+354
Cost of living (US = 100)
97.5
Schools, risk and environment
School rating (1 to 10)
5.5
FEMA hazard risk score (0 to 100)
51.3
Unhealthy air days a year
2
Show 4 more
Flood risk score
69.6
Wildfire risk score
86.7
Walkability (1 to 20)
6.5
Road, rail and air noise
54 dB
Questions people ask
Is Delta County, CO overvalued?
Home prices in Delta County, CO are well above what local incomes have historically supported: fair value is about $339,473, so the area is 19.9% overvalued.
Is Delta County, CO a buyer's or seller's market?
Delta County, CO is a balanced market: homes take about 96 days to sell, listings are down 8% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Delta County, CO?
Home values in Delta County, CO are up 2.4% over the last year.
How much do you need to earn to buy a home in Delta County, CO?
A household needs about $88,233 a year to afford the typical home in Delta County, CO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,514.