Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$678,547+2.9% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 17% have cut their price
Income needed to buy, per year$147,095About 1.7× the local median income ($88,759): hard to afford
Days on market97 daysAbout the same pace as a year ago
The typical home in La Plata County, CO is worth $678,547, up 2.9% from a year ago. That is well above what local incomes have historically supported: fair value is about $601,913, so the area is 12.7% overvalued. It is a buyer's market: homes take about 97 days to sell, listings are up 26% from a year ago, 17% of listings have had a price cut. A household needs about $147,095 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 $88,759. Typical rent is $1,979 a month. In the latest IRS figures, 83 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
$678,547
Change in 1 year
+2.9%
Overvalued %
+12.7%
Show 6 more
Fair home value
$601,913
Change in 5 years
+32.5%
Home value to income
7.6×
Monthly mortgage payment (20% down)
$3,677
Income needed to afford it
$147,095
Property tax rate
0.26%
Rent and investing
Typical rent
$1,979
Price-to-rent ratio
28.6×
HUD Fair Market Rent, 2 bedrooms
$1,821
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Gross rental yield
3.50%
Cap rate (estimate)
2.28%
Market activity
Listings vs a year ago
+26.4%
Days on market
97
Listings with a price cut
17.2%
Show 3 more
Homes for sale
513
Pending sales per 100 listings
15
Asking price per sq ft
$451
People and jobs
Median household income
$88,759
Population change (1 year)
−0.1%
Unemployment rate
3.8%
Show 4 more
Population
56,898
Income adjusted for cost of living
$91,035
Net moves in (IRS)
+83
Cost of living (US = 100)
97.5
Schools, risk and environment
School rating (1 to 10)
6.2
FEMA hazard risk score (0 to 100)
75.2
Unhealthy air days a year
2
Show 4 more
Flood risk score
81.4
Wildfire risk score
97.6
Walkability (1 to 20)
6.6
Road, rail and air noise
53 dB
Questions people ask
Is La Plata County, CO overvalued?
Home prices in La Plata County, CO are well above what local incomes have historically supported: fair value is about $601,913, so the area is 12.7% overvalued.
Is La Plata County, CO a buyer's or seller's market?
La Plata County, CO is a buyer's market: homes take about 97 days to sell, listings are up 26% from a year ago, 17% of listings have had a price cut.
Are home prices going down in La Plata County, CO?
Home values in La Plata County, CO are up 2.9% over the last year.
How much do you need to earn to buy a home in La Plata County, CO?
A household needs about $147,095 a year to afford the typical home in La Plata County, CO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $88,759.