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City · 9,421 residents · Delta County, Colorado

Delta , Colorado

In Delta, a typical home is worth $283,300 and typical rent is $990 a month. Compared with all of Delta County, typical household income is 22% lower, the typical home value is 17% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $283,300

    17% below the county

    47% below Colorado

    • Delta
    • County
    • Colorado

  • Typical rent

    $990a month

    12% below the county

    44% below Colorado

    • Delta
    • County
    • Colorado

  • Typical household income

    $45,250a year

    22% below the county

    53% below Colorado

    • Delta
    • County
    • Colorado

  • Households that own their home

    66%

    12 points below the county

    About the same as Colorado

    • Delta
    • County
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$367,463
3.1% more than 12 months ago
Typical rent
$1,275 a month

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

Delta is in Delta 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 Delta County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Delta apart

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

  1. Delta has the 2nd lowest typical household income of the 113 cities in Colorado with more than 5,000 people ($45,250).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Delta rose 3.1%; in Colorado, it fell 1.3%.

  3. Delta has the 7th lowest typical rent of the 109 cities in Colorado with more than 5,000 people ($990).

  4. 66% of households in Delta own their home, against 78% in Delta County.

  5. The typical home in Delta is worth $283,300, 17% less than in Delta County as a whole ($343,200).

  6. 25% of households in Delta have no internet at home (16% in Delta County).

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

The homes here

Housing in Delta

What homes there are in Delta, 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 Delta, 7 in 10 homes are single-family detached houses; in Delta County, 8.

Year built

In Delta, half of the homes were built before 1976; in Delta County, before 1979.

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

The FHA limit for Delta County is high ($541,287): at least 92% of owner-occupied homes in Delta are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,353 a month

Delta County: $1,485 a month

Without a mortgage

$445 a month

Delta County: $468 a month

Owners with a mortgage

59%

Delta County: 52%

The typical cost for an owner with a mortgage in Delta is $1,353 a month, less than in Delta County ($1,485); without one, $445.

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

From 2015–2019 to 2020–2024, the typical home value in Delta rose 66%; in Delta County, it rose 42%.

Since 2015–2019, the typical rent in Delta did not change clearly, according to the Census.

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

MeasureDeltaDelta 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 estimateUnreliable estimate2.4%3.4%
People per household 2.442.362.422.53
Drive alone 73%71%65%69%
Carpool 11%8%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate5%3%3%
Work from home 10%15%21%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Delta has 2.44 people on average, about the same as in Delta County (2.36).

The car rules in Delta: 73% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Delta?

A typical home costs more than the typical income allows

We start with a typical home in Delta, worth $283,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Delta, which is $45,250 a year. For that payment to be 28% of income, a household would need to earn about $94,326 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Delta. 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 $9,916 (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

$2,201

at 7.18% · 30 years

Loan amount
$278,168
Total interest
$400,219
Paid off in
November 2056

Includes $4,784 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,056 a month

  • Tight

    $1,056 to $1,358 a month

  • Hard

    more than $1,358 a month

    Your payment · 58%

Compared with the typical household income in Delta ($45,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,201
Principal & interest$1,884
Property tax$73
Home insurance$118
FHA mortgage insurance (MIP)$125

You need at least $9,916 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

Delta and Delta County

Delta is in Delta 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).

Delta's own numbers

Typical home value
$283,300
Typical monthly rent
$990
Typical yearly household income
$45,250
Households that own their home
66%
Effective property tax rate
0.31%

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

Numbers for all of Delta County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,266
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
1.4%

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 Delta County.

Everything about Delta County

Buying

Buying a home in Delta

A typical home in Delta is worth $283,300: 17% below the county and 47% below Colorado. With the typical household income in Delta ($45,250 a year), a typical home costs 6.3 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.

  • Delta 6.3 years
  • County 5.9 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Delta County

According to FHFA’s house price index, home prices in Delta County rose 110% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) −0.6% +0.1% +2.9%
5 years (2020–2025) +57% +38% +47%
10 years (2015–2025) +110% +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

Delta next to Delta 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
  • Delta $283,300
  • County $343,200
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Delta $990
  • County $1,121
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Delta $45,250
  • County $57,774
  • Colorado $95,470
  • United States $80,734
See the full table
Delta next to Delta County and Colorado
Measure Delta Delta County Colorado U.S.
Typical home value $283,300 $343,200 $539,400 $332,700
Typical monthly rent $990 $1,121 $1,761 $1,413
Typical yearly household income $45,250 $57,774 $95,470 $80,734
Households that own their home 66% 78% 66% 65%
Typical yearly property tax $885 $1,068 $2,602 $3,119
Effective property tax rate 0.31% 0.31% 0.48% 0.94%
Renters with high rent for their income 62% 57% 53% 51%

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

For a typical $283,300 home in Delta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Delta's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,201a month

    Least cash to close
    Down payment
    $9,916
    Cash to close
    $18,415
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $125

  • Conventional, 5% down $2,149a month

    Down payment
    $14,165
    Cash to close
    $22,664
    Rate
    7.18%
    Mortgage insurance
    PMI · $135

  • Conventional, 20% down, no PMI $1,727a month

    Down payment
    $56,660
    Cash to close
    $65,159
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,988a month

    Down payment
    $42,495
    Cash to close
    $50,994
    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 Delta and for Delta County.

Property tax

Effective rate in Delta

0.31%of the home’s value each year

$885 a year for the typical owner in Delta.

  • Delta 0.31%
  • County 0.31%
  • 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 Delta County

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

Homes in the high-risk zone
1.4%
214
Of those, with NFIP insurance
9.4%
County Colorado U.S.
Homes in the high-risk zone 1.4% 1.1% 3.5%
Of those, with NFIP insurance 9.4% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Delta

Typical rent in Delta is $990 a month: 12% below the county. In Delta, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Delta County, by unit size. To pay the 2-bedroom one ($1,266 a month) without spending more than 30% of your income, you would need to earn $24.35 an hour working full time.

HUD fair market rent for all of Delta 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 $940 $18.08 $37,600
1 bedroom $972 $18.69 $38,880
2 bedrooms $1,266 $24.35 $50,640
3 bedrooms $1,753 $33.71 $70,120
4 bedrooms $2,105 $40.48 $84,200

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 Delta

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Delta is in ZIP code 81416.

For 2 bedrooms it is $1,250: $16 less than the fair market rent for Delta County ($1,266).

  • 81416 $1,250$1,730

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Delta 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 Delta

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

  • Delta 511 E 10th St, Delta 81416 75 low-income homes · Run by Delta Housing Authority · Average payment: $490 a month · Average wait: 21 months · Homes at several sites (970) 874-7266
  • Alta Vista de la Montana 700 Highway 50, Delta 81416 41 low-income homes · 3 bd: 17 · 4 bd: 24 · In service since 2011 · For families
  • Heavens View Apartments 1445 Porter Ct, Delta 81416 41 homes, 40 low-income · For older adults (970) 874-5021
  • Villas at the Bluff Phase II 501 E 14th St, Delta 81416 32 homes
  • Delta Village 289 Stafford Ln, Delta 81416 16 homes · In service since 1992

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

Free help

Help to buy or rent in Delta

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 Delta 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 Delta

No down payment, repair or rent-help program on our list is for Delta or Delta County. The ones below are statewide in Colorado: they work in Delta 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 Delta

The HUD-approved agencies closest to the center of Delta, 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 · 31 miles away

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

  • Community Economic Defense Project -Cedp-Durango, CO

    1911 Main Ave, Durango · 102 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (303) 276-5705

  • Homesfund

    150 E 9th St, Durango · 103 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (970) 259-1418

All counseling agencies in Colorado

Help in Spanish near Delta

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 Delta

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

  • Delta Housing Authority Public housing and Section 8 vouchers (970) 874-7266

All housing agencies in Colorado Source: HUD

Cities

Nearby cities

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

Everything about Delta County Housing in Colorado

Neighboring counties

If Delta 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 Delta.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Delta

Short answers with the numbers for Delta and all of Delta 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 Delta?

The typical home value in Delta is $283,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Delta County it is $343,200.

How much does it cost to rent in Delta?

Typical rent in Delta is $990 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Delta County is $1,266.

What is the FHA loan limit in Delta?

Delta uses the FHA limit for all of Delta 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 Delta?

The typical homeowner in Delta pays $885 a year, according to the U.S. Census Bureau. That is 0.31% of the home’s value; in Delta County, the rate is 0.31%.

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

We found no HUD-approved counseling agencies with an office in Delta 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).