81526 — Mesa County, Colorado Market Snapshot
Housing market data for zip code 81526 in Mesa County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$506,125
Days to Sell
46
Homes Sold
18
Inventory
32
Sale-to-List
97.1%
New Listings
35
Price/SqFt
$333
Pending Sales
18
Conforming Loan Available
Most homebuyers in 81526 can comfortably use conventional financing. The median home price of $506,125 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
81526's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 81526 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 81526 can comfortably use conventional financing. The median home price of $506,125 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 81526 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 81526
To purchase the median home at $506,125 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,028.
Monthly Payment
$4,028
Income Required
$172,619
Principal & Interest
$3,119/mo
Down Payment (5%)
$25,306
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 81526.
Estimated Monthly Payment
$3,282
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