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Grand Junction city, CO

ZIP 81504 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81504

Median Home Value
$290,300
Median Rent
$1,195
Affordability Snapshot
$80,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,865/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 81504 in Grand Junction city, CO, a household would need roughly $80,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,865. That is about 18% above the local median household income ($67,907), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
78.7%+20% vs US avg
x
Vacancy Rate
3.3%-68% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
30.3%-39% vs US avg
x
Mortgage-Free
24.3%-36% vs US avg
x
$290,300
Home Value
$1,195
Rent
1990
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached77.4%
  • 1-unit attached3.5%
  • 2-9 units3.8%
  • 10+ units3.5%
  • Mobile home & other11.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$290,300
Median rent$1,195
Owner-occupied78.7%
Vacant3.3%
Price-to-income4.3x
Est. income to buy$80,000