In Alamosa, a typical home is worth $225,200 and typical rent is $837 a month. Compared with all of Alamosa County, typical household income is 10% lower, typical rent is 8% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $235,057 to $311,590.
Typical rent
$1,071a month
Typical rent from Zillow, March 2026 to September 2026: from $1,059 to $1,071.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Alamosa is in Alamosa County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Alamosa County. See the county
What this place has that others do not, from public data, most unusual first.
1
Alamosa has the 3rd lowest typical household income of the 113 cities in Colorado with more than 5,000 people ($49,688).
2
Alamosa has the 3rd lowest homeownership rate of the 111 cities in Colorado with more than 5,000 people (44%).
3
Alamosa has the 3rd lowest typical rent of the 109 cities in Colorado with more than 5,000 people ($837).
4
Alamosa has the 5th lowest typical home value of the 110 cities in Colorado with more than 5,000 people ($225,200).
5
Alamosa has the 5th smallest share of rent-burdened renters of the 94 cities in Colorado with more than 5,000 people (36%).
6
According to Zillow, in the 12 months to September 2026 the typical home value in Alamosa rose 2.3%; in Colorado, it fell 1.3%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Alamosa
What homes there are in Alamosa, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Alamosa
Alamosa County
Colorado
United States
Kind of home: Alamosa and its comparisons
Measure
Alamosa
Alamosa County
Colorado
United States
Detached house
57%
61%
61%
61%
Attached house
Unreliable estimate
Unreliable estimate
8%
6%
Building of 2 to 4
16%
11%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
23%
19%
Mobile home
Unreliable estimate
12%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Alamosa, 6 in 10 homes are single-family detached houses; in Alamosa County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Alamosa
Alamosa County
Colorado
United States
Year built: Alamosa and its comparisons
Measure
Alamosa
Alamosa County
Colorado
United States
Before 1960
24%
22%
16%
26%
1960–1979
33%
26%
24%
24%
1980–1999
19%
25%
28%
25%
2000–2009
10%
16%
17%
14%
2010 or later
14%
12%
16%
11%
In Alamosa, half of the homes were built before 1976; in Alamosa County, before 1982.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K32%
$200K–$300K18%
$300K–$500K26%
$500K–$750K11%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Alamosa and its comparisons
Measure
Alamosa
Under $100K
Unreliable estimate
$100K–$200K
32%
$200K–$300K
18%
$300K–$500K
26%
$500K–$750K
11%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99959%
$1,000–$1,499Unreliable
$1,500–$1,99911%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Alamosa and its comparisons
Measure
Alamosa
Under $500
Unreliable estimate
$500–$999
59%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
11%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,337 a month
Alamosa County: $1,317 a month
Without a mortgage
$391 a month
Alamosa County: $449 a month
Owners with a mortgage
62%
Alamosa County: 59%
In Alamosa, 62% of owners have a mortgage; their typical cost is $1,337 a month, about the same as in Alamosa County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Alamosa+37%
Alamosa County+52%
Colorado+57%
United States+53%
Typical rent
Alamosa+25%
Alamosa County+30%
Colorado+39%
United States+33%
Typical household income
Alamosa+42%
Alamosa County+48%
Colorado+32%
United States+29%
Change since 2015–2019: Alamosa and its comparisons
Measure
Alamosa
Alamosa County
Colorado
United States
Typical home value
+37%
+52%
+57%
+53%
Typical rent
+25%
+30%
+39%
+33%
Typical household income
+42%
+48%
+32%
+29%
Homes in Alamosa gained value more slowly than in Alamosa County: 37% since 2015–2019, against 52%.
Since 2015–2019, the typical rent in Alamosa rose 25%, less than in Alamosa County (30%).
Here income gained ground: typical income rose 42%, against +37% for home values and +25% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Alamosa and its comparisons
Measure
Alamosa
Alamosa County
Colorado
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.4%
3.4%
People per household
2.20
2.35
2.42
2.53
Drive alone
76%
75%
65%
69%
Carpool
Unreliable estimate
13%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
10%
6%
3%
3%
Work from home
4%
5%
21%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Alamosa has 2.20 people, fewer than in Alamosa County (2.35).
More people walk or bike to work in Alamosa: 10%, against 6% in Alamosa County.
Do the math
What would you pay each month for a home in Alamosa?
A typical home costs more than the typical income allows
We start with a typical home in Alamosa, worth $225,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Alamosa, which is $49,688 a year. For that payment to be 28% of income, a household would need to earn about $76,268 a year.
The calculator's FHA and conventional loan limits are those of all of Alamosa County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Alamosa. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,882 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,780
at 7.18% · 30 years
Loan amount
$221,121
Total interest
$318,141
Paid off in
November 2056
Includes $3,803 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,159 a month
Tight
$1,159 to $1,491 a month
Hard
more than $1,491 a month
Your payment · 43%
Compared with the typical household income in Alamosa ($49,688 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,498
Property tax
$88
Home insurance
$94
FHA mortgage insurance (MIP)
$100
You need at least $7,882 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,780; principal and interest $1,498.
The city and its county
Alamosa and Alamosa County
Alamosa is in Alamosa County, Colorado. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Alamosa
Map of Alamosa County, Colorado, with Alamosa marked. Around it, the neighboring counties.
Alamosa
Alamosa County
Alamosa's own numbers
Typical home value
$225,200
Typical monthly rent
$837
Typical yearly household income
$49,688
Households that own their home
44%
Effective property tax rate
0.47%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Alamosa County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,149
Price change over 5 years (FHFA)
+67%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Alamosa County.
A typical home in Alamosa is worth $225,200: 6% below the county and 58% below Colorado. With the typical household income in Alamosa ($49,688 a year), a typical home costs 4.5 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Alamosa4.5 years
County4.3 years
Colorado5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Alamosa County
According to FHFA’s house price index, home prices in Alamosa County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Alamosa County.
Yearly change in FHFA’s price index in Alamosa County, 2016 to 2025
2016: +0.4% +0.4% 2016
2017: +4.0% +4.0% 2017
2018: +8.1% +8.1% 2018
2019: +5.0% +5.0% 2019
2020: +1.4% +1.4% 2020
2021: +13.6% +13.6% 2021
2022: +18.8% +18.8% 2022
2023: +15.0% +15.0% 2023
2024: −2.3% −2.3% 2024
2025: +10.1% +10.1% 2025
Change in FHFA’s price index in Alamosa County, Colorado and the United States
Period
County
Colorado
U.S.
Last year (2025)
+10.1%
+0.1%
+2.9%
5 years (2020–2025)
+67%
+38%
+47%
10 years (2015–2025)
+101%
+93%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Alamosa next to Alamosa County, Colorado and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Alamosa$225,200
County$239,100
Colorado$539,400
United States$332,700
Typical monthly rent
Alamosa$837
County$907
Colorado$1,761
United States$1,413
Typical yearly household income
Alamosa$49,688
County$55,397
Colorado$95,470
United States$80,734
See the full table
Alamosa next to Alamosa County and Colorado
Measure
Alamosa
Alamosa County
Colorado
U.S.
Typical home value
$225,200 ▼6% below the county
$239,100
$539,400
$332,700
Typical monthly rent
$837 ▼8% below the county
$907
$1,761
$1,413
Typical yearly household income
$49,688 ▼10% below the county
$55,397
$95,470
$80,734
Households that own their home
44% ▼12 points below the county
56%
66%
65%
Typical yearly property tax
$1,049 ▲2% above the county
$1,024
$2,602
$3,119
Effective property tax rate
0.47% ▲0.04 points above the county
0.43%
0.48%
0.94%
Renters with high rent for their income
36% ▼1 points below the county
37%
53%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Alamosa County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Alamosa
For a typical $225,200 home in Alamosa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Alamosa's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,780a month
Least cash to close
Down payment
$7,882
Cash to close
$14,638
Rate
7.18%
Mortgage insurance
FHA MIP · $100
Conventional, 5% down$1,738a month
Down payment
$11,260
Cash to close
$18,016
Rate
7.18%
Mortgage insurance
PMI · $107
Conventional, 20% down, no PMI$1,403a month
Down payment
$45,040
Cash to close
$51,796
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,611a month
Down payment
$33,780
Cash to close
$40,536
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Alamosa
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,780
$7,882
$221,121
7.18%
FHA MIP · $100
$14,638
580
Conventional, 5% down
$1,738
$11,260
$213,940
7.18%
PMI · $107
$18,016
620*
Conventional, 20% down, no PMI
$1,403
$45,040
$180,160
7.18%
None
$51,796
620*
ITIN, 15% down (example)
$1,611
$33,780
$191,420
8.18%
None
$40,536
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Alamosa is $837 a month: 8% below the county. In Alamosa, 36% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Alamosa County, by unit size. To pay the 2-bedroom one ($1,149 a month) without spending more than 30% of your income, you would need to earn $22.10 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Alamosa County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$853
$16.40
$34,120
1 bedroom
$949
$18.25
$37,960
2 bedrooms
$1,149
$22.10
$45,960
3 bedrooms
$1,570
$30.19
$62,800
4 bedrooms
$1,920
$36.92
$76,800
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Alamosa
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Alamosa is in ZIP code 81101.
For 2 bedrooms it is $1,150: $1 more than the fair market rent for Alamosa County ($1,149).
Fair market rent by ZIP code and size in Alamosa, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
81101
$850
$950
$1,150
$1,570
$1,920
ZIP code2 bd3 bd
81101 $1,150$1,570
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Alamosa when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Alamosa. These are the largest.
Alamosa2000 Vigil Way, Alamosa 81101199 low-income homes · Run by Housing Authority of the City of Alamosa · Average payment: $441 a month · Average wait: 15 months(719) 589-6694
Colorado 7 Mount Blanca View201 Market St, Alamosa 8110150 low-income homes · 1 bd: 50 · In service since 2019 · For families
Casita de la Luna Apts1410 W 11th St, Alamosa 8110128 homes, 27 low-income · 1 bd: 20 · 2 bd: 8 · In service since 2001
Casita del Sol Apts1405 W 11th St, Alamosa 8110124 homes, 23 low-income · 2 bd: 16 · 3 bd: 7 · In service since 1998
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Alamosa County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Alamosa or Alamosa County. The ones below are statewide in Colorado: they work in Alamosa the same as in the rest of the state.
Colorado state agency help with the down payment or closing costs: a grant of up to 3% of the mortgage or a deferred second mortgage of up to 4%, both capped at $25,000.Offered by Colorado Housing and Finance Authority (CHFA).
$25,000 from the Colorado state agency for the down payment of first-generation buyers (neither you nor your parents have owned a home); repaid when you sell, refinance or pay off the mortgage.Offered by Colorado Housing and Finance Authority (CHFA).
No legal help resource on our list is for Alamosa or Alamosa County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Alamosa and all of Alamosa County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Alamosa?
The typical home value in Alamosa is $225,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Alamosa County it is $239,100.
How much does it cost to rent in Alamosa?
Typical rent in Alamosa is $837 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Alamosa County is $1,149.
What is the FHA loan limit in Alamosa?
Alamosa uses the FHA limit for all of Alamosa County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Alamosa?
The typical homeowner in Alamosa pays $1,049 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in Alamosa County, the rate is 0.43%.
Where can I find free help to buy or rent in Alamosa?
We found no HUD-approved counseling agencies with an office in Alamosa County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
