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Palisade town, CO

ZIP 81526 — 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 81526

Median Home Value
$449,300
Median Rent
$1,003
Affordability Snapshot
$124,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,886/mo PITI).

14%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

37.3 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 81526 in Palisade town, CO, a household would need roughly $124,000 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 $2,886. That is about 49% above the local median household income ($83,316), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.0%+16% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
7.4%-50% vs US avg
x
Built Pre-1939
8.2%-36% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
31.4%-37% vs US avg
x
Mortgage-Free
43.7%+14% vs US avg
x
$449,300
Home Value
$1,003
Rent
1980
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached72.2%
  • 1-unit attached0.8%
  • 2-9 units15.9%
  • 10+ units0.3%
  • Mobile home & other10.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$449,300
Median rent$1,003
Owner-occupied76.0%
Vacant9.7%
Price-to-income5.4x
Est. income to buy$124,000