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City · 6,637 residents · Garfield County, Colorado

Carbondale , Colorado

In Carbondale, a typical home is worth $900,600 and typical rent is $2,167 a month. Compared with all of Garfield County, the typical home value is 71% higher, typical rent is 32% higher, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $900,600

    71% above the county

    67% above Colorado

    • Carbondale
    • Garfield
    • Colorado

  • Typical rent

    $2,167a month

    32% above the county

    23% above Colorado

    • Carbondale
    • Garfield
    • Colorado

  • Typical household income

    $108,324a year

    19% above the county

    13% above Colorado

    • Carbondale
    • Garfield
    • Colorado

  • Households that own their home

    64%

    6 points below the county

    2 points below Colorado

    • Carbondale
    • Garfield
    • Colorado

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,429,795
5% more than 12 months ago
Typical rent
$4,150 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Carbondale is in Garfield County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Garfield County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Carbondale apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Carbondale is worth $900,600, 71% more than in Garfield County as a whole ($527,800).

  2. Nearby, in Rifle, the typical home value is $413,500: 54% less than in Carbondale ($900,600).

  3. Nearby, in Rifle, the typical rent is $1,308: 40% less than in Carbondale ($2,167).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Carbondale rose 5%; in Colorado, it fell 1.3%.

  5. The typical rent in Carbondale is $2,167 a month, 32% more than in Garfield County as a whole ($1,637).

  6. The typical household income in Carbondale is $108,324, 19% more than in Garfield County as a whole ($91,131).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Carbondale

What homes there are in Carbondale, 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

In Carbondale there is a bit of everything: no kind of home reaches half. The most common are detached houses (46%); in Garfield County, 60%.

Year built

By age, homes in Carbondale look like those in Garfield County: the typical year built is 1994.

There are fewer big homes in Carbondale than in Garfield County: 58% have 3 bedrooms or more, against 67%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,011 a month

Garfield County: $2,277 a month

Without a mortgage

$813 a month

Garfield County: $654 a month

Owners with a mortgage

72%

Garfield County: 67%

Owning costs more in Carbondale: with a mortgage, the typical cost is $3,011 a month; in Garfield County, $2,277. Without one, $813.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Carbondale gained value faster than in Garfield County: 82% against 46%.

Since 2015–2019, the typical rent in Carbondale rose 24%, less than in Garfield County (36%).

While home values in Carbondale changed +82% and rent +24%, the typical household income rose 34%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCarbondaleGarfield CountyColoradoUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.0%2.4%3.4%
People per household 2.312.622.422.53
Drive alone 60%71%65%69%
Carpool Unreliable estimate12%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike 11%4%3%3%
Work from home 19%11%21%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Carbondale has 2.31 people, fewer than in Garfield County (2.62).

In Carbondale, 19% of workers work from home, more than in Garfield County (11%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Carbondale?

A typical home costs more than the typical income allows

We start with a typical home in Carbondale, worth $900,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 80% of the typical household income in Carbondale, which is $108,324 a year. For that payment to be 28% of income, a household would need to earn about $309,926 a year.

The calculator's FHA and conventional loan limits are those of all of Garfield County.

Your numbers

Local data
$

Starts at the typical home value in Carbondale. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $31,521 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$7,232

at 7.18% · 30 years

Loan amount
$884,288
Total interest
$1,272,283
Paid off in
November 2056

Includes $15,209 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,528 a month

  • Tight

    $2,528 to $3,250 a month

  • Hard

    more than $3,250 a month

    Your payment · 80%

Compared with the typical household income in Carbondale ($108,324 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,232
Principal & interest$5,990
Property tax$323
Home insurance$375
FHA mortgage insurance (MIP)$543

You need at least $31,521 for the down payment, plus closing costs.

Next step

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.

The city and its county

Carbondale and Garfield County

Carbondale is in Garfield 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).

Carbondale's own numbers

Typical home value
$900,600
Typical monthly rent
$2,167
Typical yearly household income
$108,324
Households that own their home
64%
Effective property tax rate
0.43%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Garfield County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$1,781
Price change over 5 years (FHFA)
+63%

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 Garfield County.

Everything about Garfield County

Buying

Buying a home in Carbondale

A typical home in Carbondale is worth $900,600: 71% above the county and 67% above Colorado. With the typical household income in Carbondale ($108,324 a year), a typical home costs 8.3 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.

  • Carbondale 8.3 years
  • Garfield 5.8 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Garfield County

According to FHFA’s house price index, home prices in Garfield County rose 114% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Garfield County.

Period County Colorado U.S.
Last year (2025) +4.9% +0.1% +2.9%
5 years (2020–2025) +63% +38% +47%
10 years (2015–2025) +114% +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

Carbondale next to Garfield 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
  • Carbondale $900,600
  • Garfield $527,800
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Carbondale $2,167
  • Garfield $1,637
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Carbondale $108,324
  • Garfield $91,131
  • Colorado $95,470
  • United States $80,734
See the full table
Carbondale next to Garfield County and Colorado
Measure Carbondale Garfield County Colorado U.S.
Typical home value $900,600 $527,800 $539,400 $332,700
Typical monthly rent $2,167 $1,637 $1,761 $1,413
Typical yearly household income $108,324 $91,131 $95,470 $80,734
Households that own their home 64% 70% 66% 65%
Typical yearly property tax $3,917 $2,201 $2,602 $3,119
Effective property tax rate 0.43% 0.42% 0.48% 0.94%
Renters with high rent for their income 43% 46% 53% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Garfield 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 Carbondale

For a typical $900,600 home in Carbondale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Carbondale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,232a month

    Least cash to close
    Down payment
    $31,521
    Cash to close
    $58,539
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $543

  • Conventional, 5% down $6,922a month

    Down payment
    $45,030
    Cash to close
    $72,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $428

  • Conventional, 20% down, no PMI $5,579a month

    Down payment
    $180,120
    Cash to close
    $207,138
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,411a month

    Down payment
    $135,090
    Cash to close
    $162,108
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Carbondale and for Garfield County.

Property tax

Effective rate in Carbondale

0.43%of the home’s value each year

$3,917 a year for the typical owner in Carbondale.

  • Carbondale 0.43%
  • Garfield 0.42%
  • Colorado 0.48%

What Colorado publishes Senior homestead exemption (owners 65 and older) (Colorado General Assembly (Colorado Revised Statutes 2024, Title 39))

Exemptions and deadlines in Colorado

Flood risk in Garfield County

FEMA does not publish these numbers by city: they are for all of Garfield County.

FEMA’s maps count no homes in the high-risk zone in Garfield County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Carbondale

Typical rent in Carbondale is $2,167 a month: 32% above the county. In Carbondale, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Garfield County, by unit size. To pay the 2-bedroom one ($1,781 a month) without spending more than 30% of your income, you would need to earn $34.25 an hour working full time.

HUD fair market rent for all of Garfield County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,240 $23.85 $49,600
1 bedroom $1,387 $26.67 $55,480
2 bedrooms $1,781 $34.25 $71,240
3 bedrooms $2,466 $47.42 $98,640
4 bedrooms $2,477 $47.63 $99,080

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 Carbondale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Carbondale is in ZIP code 81623.

For 2 bedrooms it is $2,550: $769 more than the fair market rent for Garfield County ($1,781).

  • 81623 $2,550$3,410

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Carbondale 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Carbondale

HUD lists 5 buildings with rents for lower incomes in Carbondale. These are the largest.

  • Villas de Santa Lucia 302 Meadow Wood Dr, Carbondale 81623 61 homes, 60 low-income · 1 bd: 10 · 2 bd: 26 · 3 bd: 25 · In service since 1995
  • Crystal Meadows II 1250 Hendrick Dr, Carbondale 81623 16 low-income homes · For older adults (970) 963-2971
  • Crystal Meadows III 1250 Hendrick Dr, Carbondale 81623 16 low-income homes · For older adults (970) 963-2971
  • Crystal Meadows IV 1250 Hendrick Dr, Carbondale 81623 16 low-income homes · For older adults (970) 963-2971
  • Crystal Meadows V 1250 Hendrick Dr, Carbondale 81623 15 low-income homes · For older adults (970) 963-9326

See all 13 buildings in Garfield County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Carbondale

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 Garfield County. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Carbondale

No down payment, repair or rent-help program on our list is for Carbondale or Garfield County. The ones below are statewide in Colorado: they work in Carbondale the same as in the rest of the state.

Which programs do I qualify for? All programs in Colorado

  • CHFA Down Payment Assistance

    Statewide in Colorado

    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).

    GrantDeferred

    See the program Official page

  • CHFA FirstGeneration

    Statewide in Colorado

    Open, per the source

    $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).

    Deferred

    See the program Official page

Housing counselors near Carbondale

The HUD-approved agencies closest to the center of Carbondale, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Resources of Western Colorado

    524 30 Rd Ste 3, Grand Junction · 72 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (970) 250-2585

  • Southwest Improvement Council

    5045 W 1st Ave, Denver · 117 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (303) 934-0923

  • Brothers Redevelopment, Inc.

    2250 Eaton St Ste B, Edgewater · 117 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (303) 202-6340

All counseling agencies in Colorado

Help in Spanish near Carbondale

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Carbondale

HUD’s record names them for Carbondale or Garfield County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Colorado Source: HUD

Cities

Other cities in Garfield County

These cities are also in Garfield County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Garfield County Housing in Colorado

Nearby cities

The cities closest to Carbondale, with the typical home value.

Neighboring counties

If Garfield County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Carbondale.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Carbondale

Short answers with the numbers for Carbondale and all of Garfield 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 Carbondale?

The typical home value in Carbondale is $900,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Garfield County it is $527,800.

How much does it cost to rent in Carbondale?

Typical rent in Carbondale is $2,167 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Garfield County is $1,781.

What is the FHA loan limit in Carbondale?

Carbondale uses the FHA limit for all of Garfield County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Carbondale?

The typical homeowner in Carbondale pays $3,917 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Garfield County, the rate is 0.42%.

Where can I find free help to buy or rent in Carbondale?

We found no HUD-approved counseling agencies with an office in Garfield County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).