In Fruitvale, a typical home is worth $333,100 and typical rent is $1,686 a month. Compared with all of Mesa County, typical rent is 43% higher, the typical home value is 12% lower, and the share of households that own their home is 20 points higher.
Fruitvale 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
93% of households in Fruitvale own their home, against 72% in Mesa County.
2
The typical rent in Fruitvale is $1,686 a month, 43% more than in Mesa County as a whole ($1,182).
3
Nearby, in Clifton, the typical rent is $1,107: 34% less than in Fruitvale ($1,686).
4
Nearby, in Clifton, the typical home value is $250,500: 25% less than in Fruitvale ($333,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fruitvale
What homes there are in Fruitvale, 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
Fruitvale
Mesa County
Colorado
United States
Kind of home: Fruitvale and its comparisons
Measure
Fruitvale
Mesa County
Colorado
United States
Detached house
90%
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
8%
8%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Fruitvale, 9 in 10 homes are single-family detached houses; in Mesa County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Fruitvale
Mesa County
Colorado
United States
Year built: Fruitvale and its comparisons
Measure
Fruitvale
Mesa County
Colorado
United States
Before 1960
9%
16%
16%
26%
1960–1979
29%
23%
24%
24%
1980–1999
48%
31%
28%
25%
2000–2009
9%
18%
17%
14%
2010 or later
6%
11%
16%
11%
In Fruitvale, half of the homes were built before 1984; in Mesa County, before 1987.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K5%
$200K–$300K26%
$300K–$500K60%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fruitvale and its comparisons
Measure
Fruitvale
Under $100K
Unreliable estimate
$100K–$200K
5%
$200K–$300K
26%
$300K–$500K
60%
$500K–$750K
Unreliable estimate
$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–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fruitvale and its comparisons
Measure
Fruitvale
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,427 a month
Mesa County: $1,648 a month
Without a mortgage
$399 a month
Mesa County: $453 a month
Owners with a mortgage
70%
Mesa County: 66%
Owning costs less in Fruitvale: with a mortgage, the typical cost is $1,427 a month; in Mesa County, $1,648. Without one, $399.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fruitvale+64%
Mesa County+67%
Colorado+57%
United States+53%
Typical rent
Fruitvale+43%
Mesa County+23%
Colorado+39%
United States+33%
Typical household income
Fruitvale+23%
Mesa County+33%
Colorado+32%
United States+29%
Change since 2015–2019: Fruitvale and its comparisons
Measure
Fruitvale
Mesa County
Colorado
United States
Typical home value
+64%
+67%
+57%
+53%
Typical rent
+43%
+23%
+39%
+33%
Typical household income
+23%
+33%
+32%
+29%
The typical home value in Fruitvale rose 64% since 2015–2019, about the same as in Mesa County (67%).
Rents in Fruitvale rose faster than in Mesa County: 43% since 2015–2019, against 23%.
Housing prices ran ahead of income in Fruitvale: typical income rose 23%, against +64% for home values and +43% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fruitvale and its comparisons
Measure
Fruitvale
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
2.38
2.34
2.42
2.53
Drive alone
73%
72%
65%
69%
Carpool
8%
8%
8%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
Unreliable estimate
4%
3%
3%
Work from home
14%
14%
21%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Fruitvale look like those in Mesa County: 2.38 people on average.
To get to work, 73% of workers in Fruitvale drive alone; in Mesa County, 72%.
Do the math
What would you pay each month for a home in Fruitvale?
A typical home costs more than the typical income allows
We start with a typical home in Fruitvale, worth $333,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Fruitvale, which is $77,887 a year. For that payment to be 28% of income, a household would need to earn about $111,859 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 Fruitvale. 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 $11,659 (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
$2,610
at 7.18% · 30 years
Loan amount
$327,066
Total interest
$470,572
Paid off in
November 2056
Includes $5,625 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,817 a month
Tight
$1,817 to $2,337 a month
Hard
more than $2,337 a month
Your payment · 40%
Compared with the typical household income in Fruitvale ($77,887 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,216
Property tax
$108
Home insurance
$139
FHA mortgage insurance (MIP)
$147
You need at least $11,659 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 $2,610; principal and interest $2,216.
The city and its county
Fruitvale and Mesa County
Fruitvale 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).
Fruitvale
Map of Mesa County, Colorado, with Fruitvale marked. Around it, the neighboring counties.
Fruitvale
Mesa County
Other cities with a page
Fruitvale's own numbers
Typical home value
$333,100
Typical monthly rent
$1,686
Typical yearly household income
$77,887
Households that own their home
93%
Effective property tax rate
0.39%
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 Fruitvale is worth $333,100: 12% below the county and 38% below Colorado. With the typical household income in Fruitvale ($77,887 a year), a typical home costs 4.3 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.
Fruitvale4.3 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
Fruitvale 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
Fruitvale$333,100
Mesa$378,600
Colorado$539,400
United States$332,700
Typical monthly rent
Fruitvale$1,686
Mesa$1,182
Colorado$1,761
United States$1,413
Typical yearly household income
Fruitvale$77,887
Mesa$73,658
Colorado$95,470
United States$80,734
See the full table
Fruitvale next to Mesa County and Colorado
Measure
Fruitvale
Mesa County
Colorado
U.S.
Typical home value
$333,100 ▼12% below the county
$378,600
$539,400
$332,700
Typical monthly rent
$1,686 ▲43% above the county
$1,182
$1,761
$1,413
Typical yearly household income
$77,887 ▲6% above the county
$73,658
$95,470
$80,734
Households that own their home
93% ▲20 points above the county
72%
66%
65%
Typical yearly property tax
$1,303 ▼9% below the county
$1,439
$2,602
$3,119
Effective property tax rate
0.39% ▲0.01 points above the county
0.38%
0.48%
0.94%
“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 Fruitvale
For a typical $333,100 home in Fruitvale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fruitvale's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,610a month
Least cash to close
Down payment
$11,659
Cash to close
$21,652
Rate
7.18%
Mortgage insurance
FHA MIP · $147
Conventional, 5% down$2,549a month
Down payment
$16,655
Cash to close
$26,648
Rate
7.18%
Mortgage insurance
PMI · $158
Conventional, 20% down, no PMI$2,052a month
Down payment
$66,620
Cash to close
$76,613
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,360a month
Down payment
$49,965
Cash to close
$59,958
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fruitvale
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,610
$11,659
$327,067
7.18%
FHA MIP · $147
$21,652
580
Conventional, 5% down
$2,549
$16,655
$316,445
7.18%
PMI · $158
$26,648
620*
Conventional, 20% down, no PMI
$2,052
$66,620
$266,480
7.18%
None
$76,613
620*
ITIN, 15% down (example)
$2,360
$49,965
$283,135
8.18%
None
$59,958
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 Fruitvale is $1,686 a month: 43% above the county.
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 Fruitvale
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fruitvale is in ZIP code 81504.
For 2 bedrooms it is $1,540: $258 more than the fair market rent for Mesa County ($1,282).
Fair market rent by ZIP code and size in Fruitvale, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
81504
$1,070
$1,220
$1,540
$2,130
$2,570
ZIP code2 bd3 bd
81504 $1,540$2,130
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fruitvale 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)
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 Fruitvale or Mesa County. The ones below are statewide in Colorado: they work in Fruitvale 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 Fruitvale 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 Fruitvale 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 Fruitvale?
The typical home value in Fruitvale is $333,100, 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 Fruitvale?
Typical rent in Fruitvale is $1,686 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 Fruitvale?
Fruitvale 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 Fruitvale?
The typical homeowner in Fruitvale pays $1,303 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Mesa County, the rate is 0.38%.
Where can I find free help to buy or rent in Fruitvale?
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.
