Median home value in zip code 81401 (Montrose, CO) is $420,970, up 2.2% year over year. Part of the Montrose, CO metropolitan area.

Home Value$420,970

YoY Change

+2.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 81401 (Montrose).

Income (annual)

Down Payment

$84,194 on $420,970

Example: $75,000 household income. Change it above to see your own.

Out of reach40.1% of income

Need $107,486/yr to afford.

PITI$2,508

P/I40.1%

Afford$294K

Gap-$127K

P&I $2,129Tax $179Ins $200

6.50% 30yr, 20% down, county tax + CO ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

81401 is part of the Montrose, CO metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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