In Fruita, a typical home is worth $398,200 and typical rent is $1,472 a month. Compared with all of Mesa County, typical rent is 25% higher, typical household income is 18% higher, and the share of households that own their home is 7 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $390,172 to $480,708.
Typical rent
$1,664a month
▼ 0.8% less than 12 months ago
Typical rent from Zillow, December 2024 to September 2026: from $1,555 to $1,664.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fruita is in Mesa 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 Mesa County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Clifton, the typical home value is $250,500: 37% less than in Fruita ($398,200).
2
Nearby, in Clifton, the typical rent is $1,107: 25% less than in Fruita ($1,472).
3
The typical rent in Fruita is $1,472 a month, 25% more than in Mesa County as a whole ($1,182).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Fruita rose 2.5%; in Colorado, it fell 1.3%.
5
The typical household income in Fruita is $87,184,18% more than in Mesa County as a whole ($73,658).
6
80% of households in Fruita own their home, against 72% in Mesa County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Fruita
What homes there are in Fruita, 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
Fruita
Mesa County
Colorado
United States
Kind of home: Fruita and its comparisons
Measure
Fruita
Mesa County
Colorado
United States
Detached house
82%
71%
61%
61%
Attached house
Unreliable estimate
5%
8%
6%
Building of 2 to 4
Unreliable estimate
7%
5%
8%
Apartments (5 or more)
Unreliable estimate
10%
23%
19%
Mobile home
Unreliable estimate
8%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 82% of homes here, against 71% in Mesa County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Fruita
Mesa County
Colorado
United States
Year built: Fruita and its comparisons
Measure
Fruita
Mesa County
Colorado
United States
Before 1960
9%
16%
16%
26%
1960–1979
10%
23%
24%
24%
1980–1999
32%
31%
28%
25%
2000–2009
35%
18%
17%
14%
2010 or later
13%
11%
16%
11%
The typical home in Fruita was built in 1999, 12 years after the typical one in Mesa County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K14%
$300K–$500K58%
$500K–$750K20%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fruita and its comparisons
Measure
Fruita
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
14%
$300K–$500K
58%
$500K–$750K
20%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99932%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fruita and its comparisons
Measure
Fruita
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
32%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,778 a month
Mesa County: $1,648 a month
Without a mortgage
$451 a month
Mesa County: $453 a month
Owners with a mortgage
84%
Mesa County: 66%
Owning costs more in Fruita: with a mortgage, the typical cost is $1,778 a month; in Mesa County, $1,648. Without one, $451.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fruita+78%
Mesa County+67%
Colorado+57%
United States+53%
Typical rent
FruitaNo clear change
Mesa County+23%
Colorado+39%
United States+33%
Typical household income
Fruita+49%
Mesa County+33%
Colorado+32%
United States+29%
Change since 2015–2019: Fruita and its comparisons
Measure
Fruita
Mesa County
Colorado
United States
Typical home value
+78%
+67%
+57%
+53%
Typical rent
No clear change
+23%
+39%
+33%
Typical household income
+49%
+33%
+32%
+29%
Since 2015–2019, homes in Fruita gained value faster than in Mesa County: 78% against 67%.
The typical rent in Fruita stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fruita and its comparisons
Measure
Fruita
Mesa County
Colorado
United States
Rental vacancy
Unreliable estimate
3.4%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.9%
2.4%
3.4%
People per household
2.58
2.34
2.42
2.53
Drive alone
80%
72%
65%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
Unreliable estimate
4%
3%
3%
Work from home
10%
14%
21%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Fruita are bigger: 2.58 people on average; in Mesa County, 2.34.
To get to work, 80% of workers in Fruita drive alone; in Mesa County, 72%.
Do the math
What would you pay each month for a home in Fruita?
A typical home costs more than the typical income allows
We start with a typical home in Fruita, worth $398,200, 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 Fruita, which is $87,184 a year. For that payment to be 28% of income, a household would need to earn about $134,289 a year.
The calculator's FHA and conventional loan limits are those of all of Mesa 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 Fruita. 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 $13,937 (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
$3,133
at 7.18% · 30 years
Loan amount
$390,988
Total interest
$562,539
Paid off in
November 2056
Includes $6,725 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,034 a month
Tight
$2,034 to $2,616 a month
Hard
more than $2,616 a month
Your payment · 43%
Compared with the typical household income in Fruita ($87,184 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,649
Property tax
$143
Home insurance
$166
FHA mortgage insurance (MIP)
$176
You need at least $13,937 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 $3,133; principal and interest $2,649.
The city and its county
Fruita and Mesa County
Fruita is in Mesa 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).
Fruita
Map of Mesa County, Colorado, with Fruita marked. Around it, the neighboring counties.
Fruita
Mesa County
Other cities with a page
Fruita's own numbers
Typical home value
$398,200
Typical monthly rent
$1,472
Typical yearly household income
$87,184
Households that own their home
80%
Effective property tax rate
0.43%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Mesa County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,282
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1%
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 Mesa County.
A typical home in Fruita is worth $398,200: 5% above the county and 26% below Colorado. With the typical household income in Fruita ($87,184 a year), a typical home costs 4.6 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.
Fruita4.6 years
Mesa5.1 years
Colorado5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Mesa County
According to FHFA’s house price index, home prices in Mesa County rose 110% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Mesa County.
Yearly change in FHFA’s price index in Mesa County, 2016 to 2025
2016: +5.0% +5.0% 2016
2017: +5.9% +5.9% 2017
2018: +9.6% +9.6% 2018
2019: +7.0% +7.0% 2019
2020: +4.6% +4.6% 2020
2021: +14.7% +14.7% 2021
2022: +16.4% +16.4% 2022
2023: +5.7% +5.7% 2023
2024: +5.9% +5.9% 2024
2025: +3.2% +3.2% 2025
Change in FHFA’s price index in Mesa County, Colorado and the United States
Period
County
Colorado
U.S.
Last year (2025)
+3.2%
+0.1%
+2.9%
5 years (2020–2025)
+54%
+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
Fruita next to Mesa 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
Fruita$398,200
Mesa$378,600
Colorado$539,400
United States$332,700
Typical monthly rent
Fruita$1,472
Mesa$1,182
Colorado$1,761
United States$1,413
Typical yearly household income
Fruita$87,184
Mesa$73,658
Colorado$95,470
United States$80,734
See the full table
Fruita next to Mesa County and Colorado
Measure
Fruita
Mesa County
Colorado
U.S.
Typical home value
$398,200 ▲5% above the county
$378,600
$539,400
$332,700
Typical monthly rent
$1,472 ▲25% above the county
$1,182
$1,761
$1,413
Typical yearly household income
$87,184 ▲18% above the county
$73,658
$95,470
$80,734
Households that own their home
80% ▲7 points above the county
72%
66%
65%
Typical yearly property tax
$1,699 ▲18% above the county
$1,439
$2,602
$3,119
Effective property tax rate
0.43% ▲0.05 points above the county
0.38%
0.48%
0.94%
Renters with high rent for their income
44% ▼5 points below the county
49%
53%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Mesa 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 Fruita
For a typical $398,200 home in Fruita, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fruita's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,133a month
Least cash to close
Down payment
$13,937
Cash to close
$25,883
Rate
7.18%
Mortgage insurance
FHA MIP · $176
Conventional, 5% down$3,060a month
Down payment
$19,910
Cash to close
$31,856
Rate
7.18%
Mortgage insurance
PMI · $189
Conventional, 20% down, no PMI$2,467a month
Down payment
$79,640
Cash to close
$91,586
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,835a month
Down payment
$59,730
Cash to close
$71,676
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fruita
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,133
$13,937
$390,988
7.18%
FHA MIP · $176
$25,883
580
Conventional, 5% down
$3,060
$19,910
$378,290
7.18%
PMI · $189
$31,856
620*
Conventional, 20% down, no PMI
$2,467
$79,640
$318,560
7.18%
None
$91,586
620*
ITIN, 15% down (example)
$2,835
$59,730
$338,470
8.18%
None
$71,676
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 Fruita is $1,472 a month: 25% above the county. In Fruita, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Mesa County, by unit size. To pay the 2-bedroom one ($1,282 a month) without spending more than 30% of your income, you would need to earn $24.65 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 Mesa County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$893
$17.17
$35,720
1 bedroom
$1,017
$19.56
$40,680
2 bedrooms
$1,282
$24.65
$51,280
3 bedrooms
$1,775
$34.13
$71,000
4 bedrooms
$2,143
$41.21
$85,720
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 Fruita
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fruita is in ZIP code 81521.
For 2 bedrooms it is $1,610: $328 more than the fair market rent for Mesa County ($1,282).
Fair market rent by ZIP code and size in Fruita, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
81521
$1,120
$1,280
$1,610
$2,230
$2,690
ZIP code2 bd3 bd
81521 $1,610$2,230
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fruita 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 2 buildings with rents for lower incomes in Fruita. These are the largest.
Independence Village225 N Coulson St, Fruita 8152175 homes, 74 low-income · For older adults(970) 858-9801
Grand Mesa Apts of Fruita150 S Sycamore St, Fruita 8152124 homes, 23 low-income · 1 bd: 12 · 2 bd: 12 · In service since 2007 · For older adults, people experiencing homelessness
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 is 1 HUD-approved agency with an office in Mesa County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Fruita or Mesa County. The ones below are statewide in Colorado: they work in Fruita 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 Fruita or Mesa 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 Fruita and all of Mesa 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 Fruita?
The typical home value in Fruita is $398,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mesa County it is $378,600.
How much does it cost to rent in Fruita?
Typical rent in Fruita is $1,472 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mesa County is $1,282.
What is the FHA loan limit in Fruita?
Fruita uses the FHA limit for all of Mesa 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 Fruita?
The typical homeowner in Fruita pays $1,699 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Mesa County, the rate is 0.38%.
Where can I find free help to buy or rent in Fruita?
There is 1 HUD-approved counseling agency with an office in Mesa County. They can help you get ready to buy, with your credit, or with rent.
