81506 — Mesa County, Colorado Market Snapshot
Housing market data for zip code 81506 in Mesa County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$518,000
Days to Sell
40
Homes Sold
54
Inventory
71
Sale-to-List
98.0%
New Listings
89
Price/SqFt
$253
Pending Sales
78
Conforming Loan Available
Most homebuyers in 81506 can comfortably use conventional financing. The median home price of $518,000 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
81506's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 81506 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 81506 can comfortably use conventional financing. The median home price of $518,000 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 81506 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 81506
To purchase the median home at $518,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,119.
Monthly Payment
$4,119
Income Required
$176,518
Principal & Interest
$3,192/mo
Down Payment (5%)
$25,900
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 81506.
Estimated Monthly Payment
$3,356
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 81506. Tell us what you're looking for.