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City · 19,411 residents · La Plata County, Colorado

Durango , Colorado

In Durango, a typical home is worth $668,400 and typical rent is $1,636 a month. Compared with all of La Plata County, the typical home value is 13% higher, typical rent is 9% higher, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $668,400

    13% above the county

    24% above Colorado

    • Durango
    • La Plata
    • Colorado

  • Typical rent

    $1,636a month

    9% above the county

    7% below Colorado

    • Durango
    • La Plata
    • Colorado

  • Typical household income

    $78,602a year

    9% below the county

    18% below Colorado

    • Durango
    • La Plata
    • Colorado

  • Households that own their home

    53%

    18 points below the county

    13 points below Colorado

    • Durango
    • La Plata
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$754,540
3.5% more than 12 months ago
Typical rent
$1,940 a month
0.8% more than 12 months ago

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

Durango is in La Plata County. The FHA loan limit ($747,500 for a one-unit home), the fair market rents and the help on this page are those of all of La Plata County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Durango apart

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

  1. Nearby, in Alamosa, the typical home value is $225,200: 66% less than in Durango ($668,400).

  2. Nearby, in Alamosa, the typical rent is $837: 49% less than in Durango ($1,636).

  3. 53% of households in Durango own their home, against 71% in La Plata County.

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Durango rose 3.5%; 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 Durango

What homes there are in Durango, 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

Homes in Durango are varied: detached houses are the largest group, at 48%, against 63% in La Plata County.

Year built

In Durango, half of the homes were built before 1989; in La Plata County, before 1993.

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

$2,151 a month

La Plata County: $2,100 a month

Without a mortgage

$486 a month

La Plata County: $522 a month

Owners with a mortgage

61%

La Plata County: 58%

In Durango, 61% of owners have a mortgage; their typical cost is $2,151 a month, about the same as in La Plata County.

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 Durango rose 44%; in La Plata County, it rose 50%.

Much as in La Plata County, the typical rent in Durango rose 30% since 2015–2019.

Housing prices ran ahead of income in Durango: typical income rose 19%, against +44% for home values and +30% for rent.

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

MeasureDurangoLa Plata CountyColoradoUnited States
Rental vacancy Unreliable estimate5.8%5.1%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 1.992.242.422.53
Drive alone 64%66%65%69%
Carpool 6%8%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 14%7%3%3%
Work from home 15%18%21%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Durango has 1.99 people, fewer than in La Plata County (2.24).

Many here get to work on foot or by bike: 14%, more than in La Plata County (7%).

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 Durango?

A typical home costs more than the typical income allows

We start with a typical home in Durango, worth $668,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 79% of the typical household income in Durango, which is $78,602 a year. For that payment to be 28% of income, a household would need to earn about $220,398 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Durango. 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 $23,394 (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

$5,143

at 7.18% · 30 years

Loan amount
$656,294
Total interest
$944,253
Paid off in
November 2056

Includes $11,288 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,834 a month

  • Tight

    $1,834 to $2,358 a month

  • Hard

    more than $2,358 a month

    Your payment · 79%

Compared with the typical household income in Durango ($78,602 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,143
Principal & interest$4,446
Property tax$123
Home insurance$279
FHA mortgage insurance (MIP)$296

You need at least $23,394 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

Durango and La Plata County

Durango is in La Plata 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).

Durango's own numbers

Typical home value
$668,400
Typical monthly rent
$1,636
Typical yearly household income
$78,602
Households that own their home
53%
Effective property tax rate
0.22%

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

Numbers for all of La Plata County

FHA limit, one-unit home
$747,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,821
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
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 La Plata County.

Everything about La Plata County

Buying

Buying a home in Durango

A typical home in Durango is worth $668,400: 13% above the county and 24% above Colorado. With the typical household income in Durango ($78,602 a year), a typical home costs 8.5 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.

  • Durango 8.5 years
  • La Plata 6.9 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in La Plata County

According to FHFA’s house price index, home prices in La Plata County rose 90% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) +4.5% +0.1% +2.9%
5 years (2020–2025) +59% +38% +47%
10 years (2015–2025) +90% +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

Durango next to La Plata 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
  • Durango $668,400
  • La Plata $591,500
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Durango $1,636
  • La Plata $1,504
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Durango $78,602
  • La Plata $86,056
  • Colorado $95,470
  • United States $80,734
See the full table
Durango next to La Plata County and Colorado
Measure Durango La Plata County Colorado U.S.
Typical home value $668,400 $591,500 $539,400 $332,700
Typical monthly rent $1,636 $1,504 $1,761 $1,413
Typical yearly household income $78,602 $86,056 $95,470 $80,734
Households that own their home 53% 71% 66% 65%
Typical yearly property tax $1,443 $1,552 $2,602 $3,119
Effective property tax rate 0.22% 0.26% 0.48% 0.94%
Renters with high rent for their income 53% 53% 53% 51%

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

For a typical $668,400 home in Durango, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Durango's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,143a month

    Least cash to close
    Down payment
    $23,394
    Cash to close
    $43,446
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $296

  • Conventional, 5% down $5,020a month

    Down payment
    $33,420
    Cash to close
    $53,472
    Rate
    7.18%
    Mortgage insurance
    PMI · $317

  • Conventional, 20% down, no PMI $4,023a month

    Down payment
    $133,680
    Cash to close
    $153,732
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,641a month

    Down payment
    $100,260
    Cash to close
    $120,312
    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 Durango and for La Plata County.

Property tax

Effective rate in Durango

0.22%of the home’s value each year

$1,443 a year for the typical owner in Durango.

  • Durango 0.22%
  • La Plata 0.26%
  • 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 La Plata County

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

Homes in the high-risk zone
4%
1,028
Of those, with NFIP insurance
17%
County Colorado U.S.
Homes in the high-risk zone 4% 1.1% 3.5%
Of those, with NFIP insurance 17% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Durango

Typical rent in Durango is $1,636 a month: 9% above the county. In Durango, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of La Plata County, by unit size. To pay the 2-bedroom one ($1,821 a month) without spending more than 30% of your income, you would need to earn $35.02 an hour working full time.

HUD fair market rent for all of La Plata 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 $1,338 $25.73 $53,520
1 bedroom $1,392 $26.77 $55,680
2 bedrooms $1,821 $35.02 $72,840
3 bedrooms $2,209 $42.48 $88,360
4 bedrooms $2,393 $46.02 $95,720

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 Durango

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Durango is in ZIP code 81301.

For 2 bedrooms it is $1,870: $49 more than the fair market rent for La Plata County ($1,821).

  • 81301 $1,870$2,270

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

HUD lists 15 buildings with rents for lower incomes in Durango. These are the largest.

  • Durango Housing 240 E 4th Ave, Durango 81301 97 low-income homes · For families (970) 247-2788
  • Durango Housing Apts 650 Valentine Dr, Durango 81301 97 low-income homes · Studio: 6 · 1 bd: 8 · 2 bd: 23 · 3 bd: 52 · 4 bd: 8 · In service since 2006 · For families
  • Tamarin Square 1401 E 3rd Ave, Durango 81301 68 low-income homes · 1 bd: 67 · 2 bd: 1 · In service since 2003 · For older adults, families (970) 247-8622
  • Pinon Terrace 20 Primrose Cir, Durango 81301 66 homes, 63 low-income · 1 bd: 16 · 2 bd: 38 · 3 bd: 12 · In service since 2008 · For families
  • Southwest Horizon Ranch 44 Twin Pines Ln, Durango 81303 61 low-income homes · 2 bd: 15 · 3 bd: 46 · In service since 2000

See all 16 buildings in La Plata County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Durango

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.

There are 3 HUD-approved agencies with an office in La Plata County; 1 says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Durango

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

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

  • Homesfund

    150 E 9th St, Durango · 1 miles away

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

  • Community Economic Defense Project -Cedp-Durango, CO

    1911 Main Ave, Durango · 1 miles away · Spanish

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

  • Housing Solutions for the Southwest

    295 Girard St, Durango · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (970) 259-1086

Every agency in La Plata County All counseling agencies in Colorado

Help in Spanish near Durango

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 Durango

HUD lists no housing authority with an office in La Plata County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Colorado Source: HUD

Cities

Nearby cities

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

Everything about La Plata County Housing in Colorado

Neighboring counties

If La Plata 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 Durango.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Durango

Short answers with the numbers for Durango and all of La Plata 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 Durango?

The typical home value in Durango is $668,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in La Plata County it is $591,500.

How much does it cost to rent in Durango?

Typical rent in Durango is $1,636 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in La Plata County is $1,821.

What is the FHA loan limit in Durango?

Durango uses the FHA limit for all of La Plata County (2026): $747,500 for a one-unit home and $1,437,500 for a four-unit home.

How much property tax do owners pay in Durango?

The typical homeowner in Durango pays $1,443 a year, according to the U.S. Census Bureau. That is 0.22% of the home’s value; in La Plata County, the rate is 0.26%.

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

There are 3 HUD-approved counseling agencies with an office in La Plata County. 1 says it serves in Spanish. 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).