Español

Este sitio también está en español. Leer en español

City · 6,766 residents · Gunnison County, Colorado

Gunnison , Colorado

In Gunnison, a typical home is worth $461,000 and typical rent is $1,230 a month. Compared with all of Gunnison County, typical household income is 26% lower, the typical home value is 26% lower, and the share of households that own their home is 18 points lower.

WhatsApp

  • Typical home value

    $461,000

    26% below the county

    15% below Colorado

    • Gunnison
    • County
    • Colorado

  • Typical rent

    $1,230a month

    About the same as the county

    30% below Colorado

    • Gunnison
    • County
    • Colorado

  • Typical household income

    $62,189a year

    26% below the county

    35% below Colorado

    • Gunnison
    • County
    • Colorado

  • Households that own their home

    49%

    18 points below the county

    18 points below Colorado

    • Gunnison
    • County
    • Colorado

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

Market now, with Zillow data

Zillow data
Typical home value
$621,990
2.6% more than 12 months ago

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

Gunnison is in Gunnison 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 Gunnison County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gunnison apart

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

  1. Nearby, in Delta, the typical home value is $283,300: 39% less than in Gunnison ($461,000).

  2. 49% of households in Gunnison own their home, against 67% in Gunnison County.

  3. The typical household income in Gunnison is $62,189, 26% less than in Gunnison County as a whole ($84,527).

  4. The typical home in Gunnison is worth $461,000, 26% less than in Gunnison County as a whole ($621,800).

  5. Nearby, in Delta, the typical rent is $990: 20% less than in Gunnison ($1,230).

  6. According to Zillow, in the 12 months to September 2026 the typical home value in Gunnison rose 2.6%; 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 Gunnison

What homes there are in Gunnison, 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

The detached house is still the most common home in Gunnison, but it weighs less than in Gunnison County: 51% against 64%.

Year built

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

$1,715 a month

Gunnison County: $2,307 a month

Without a mortgage

$499 a month

Gunnison County: $588 a month

Owners with a mortgage

68%

Gunnison County: 65%

The typical cost for an owner with a mortgage in Gunnison is $1,715 a month, less than in Gunnison County ($2,307); without one, $499.

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 Gunnison gained value faster than in Gunnison County: 89% against 69%.

Since 2015–2019, the typical rent in Gunnison rose 41%.

The typical household income in Gunnison rose 52% over that time; home values changed +89% and rent +41%.

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

MeasureGunnisonGunnison CountyColoradoUnited States
Rental vacancy Unreliable estimate7.6%5.1%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 1.901.892.422.53
Drive alone 57%54%65%69%
Carpool 14%11%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 13%12%3%3%
Work from home 8%19%21%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Gunnison look like those in Gunnison County: 1.90 people on average.

In Gunnison, 14% of workers share a car to get to work; in Gunnison 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 Gunnison?

A typical home costs more than the typical income allows

We start with a typical home in Gunnison, worth $461,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Gunnison, which is $62,189 a year. For that payment to be 28% of income, a household would need to earn about $153,163 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gunnison. 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 $16,135 (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

$3,574

at 7.18% · 30 years

Loan amount
$452,650
Total interest
$651,257
Paid off in
November 2056

Includes $7,785 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,451 a month

  • Tight

    $1,451 to $1,866 a month

  • Hard

    more than $1,866 a month

    Your payment · 69%

Compared with the typical household income in Gunnison ($62,189 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,574
Principal & interest$3,066
Property tax$111
Home insurance$192
FHA mortgage insurance (MIP)$204

You need at least $16,135 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

Gunnison and Gunnison County

Gunnison is in Gunnison 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).

Gunnison's own numbers

Typical home value
$461,000
Typical monthly rent
$1,230
Typical yearly household income
$62,189
Households that own their home
49%
Effective property tax rate
0.29%

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

Numbers for all of Gunnison County

FHA limit, one-unit home
$747,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,437
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
5.6%

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 Gunnison County.

Everything about Gunnison County

Buying

Buying a home in Gunnison

A typical home in Gunnison is worth $461,000: 26% below the county and 15% below Colorado. With the typical household income in Gunnison ($62,189 a year), a typical home costs 7.4 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.

  • Gunnison 7.4 years
  • County 7.4 years
  • Colorado 5.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Gunnison County

According to FHFA’s house price index, home prices in Gunnison County rose 139% in the 10 years through 2025.

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

Period County Colorado U.S.
Last year (2025) +8.6% +0.1% +2.9%
5 years (2020–2025) +70% +38% +47%
10 years (2015–2025) +139% +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

Gunnison next to Gunnison 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
  • Gunnison $461,000
  • County $621,800
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Gunnison $1,230
  • County $1,252
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Gunnison $62,189
  • County $84,527
  • Colorado $95,470
  • United States $80,734
See the full table
Gunnison next to Gunnison County and Colorado
Measure Gunnison Gunnison County Colorado U.S.
Typical home value $461,000 $621,800 $539,400 $332,700
Typical monthly rent $1,230 $1,252 $1,761 $1,413
Typical yearly household income $62,189 $84,527 $95,470 $80,734
Households that own their home 49% 67% 66% 65%
Typical yearly property tax $1,324 $1,798 $2,602 $3,119
Effective property tax rate 0.29% 0.29% 0.48% 0.94%
Renters with high rent for their income 60% 51% 53% 51%

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

For a typical $461,000 home in Gunnison, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gunnison's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,574a month

    Least cash to close
    Down payment
    $16,135
    Cash to close
    $29,965
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $204

  • Conventional, 5% down $3,489a month

    Down payment
    $23,050
    Cash to close
    $36,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $219

  • Conventional, 20% down, no PMI $2,802a month

    Down payment
    $92,200
    Cash to close
    $106,030
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,228a month

    Down payment
    $69,150
    Cash to close
    $82,980
    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 Gunnison and for Gunnison County.

Property tax

Effective rate in Gunnison

0.29%of the home’s value each year

$1,324 a year for the typical owner in Gunnison.

  • Gunnison 0.29%
  • County 0.29%
  • 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 Gunnison County

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

Homes in the high-risk zone
5.6%
699
Of those, with NFIP insurance
12%
County Colorado U.S.
Homes in the high-risk zone 5.6% 1.1% 3.5%
Of those, with NFIP insurance 12% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gunnison

Typical rent in Gunnison is $1,230 a month: about the same as the county. In Gunnison, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Gunnison County, by unit size. To pay the 2-bedroom one ($1,437 a month) without spending more than 30% of your income, you would need to earn $27.63 an hour working full time.

HUD fair market rent for all of Gunnison 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 $1,222 $23.50 $48,880
1 bedroom $1,276 $24.54 $51,040
2 bedrooms $1,437 $27.63 $57,480
3 bedrooms $1,990 $38.27 $79,600
4 bedrooms $2,231 $42.90 $89,240

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 Gunnison

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gunnison is in ZIP code 81230.

For 2 bedrooms it is $1,330: $107 less than the fair market rent for Gunnison County ($1,437).

  • 81230 $1,330$1,840

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

HUD lists 2 buildings with rents for lower incomes in Gunnison. These are the largest.

  • Palisades Apartments 600 N Colorado St, Gunnison 81230 60 low-income homes · For families (970) 641-5429
  • Mountain View Apts 317 N Spruce St, Gunnison 81230 28 low-income homes · For older adults (970) 641-4389

See all 3 buildings in Gunnison County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gunnison

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Gunnison

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

The HUD-approved agencies closest to the center of Gunnison, 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 · 92 miles away

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

  • Upper Arkansas Area Council of Governments

    3224 Independence Rd Unit A, Canon City · 94 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (719) 269-7687

  • 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

All counseling agencies in Colorado

Help in Spanish near Gunnison

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 Gunnison

HUD lists no housing authority with an office in Gunnison 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 Gunnison, with the typical home value.

Everything about Gunnison County Housing in Colorado

Neighboring counties

If Gunnison 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 Gunnison.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Gunnison

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

The typical home value in Gunnison is $461,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gunnison County it is $621,800.

How much does it cost to rent in Gunnison?

Typical rent in Gunnison is $1,230 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gunnison County is $1,437.

What is the FHA loan limit in Gunnison?

Gunnison uses the FHA limit for all of Gunnison 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 Gunnison?

The typical homeowner in Gunnison pays $1,324 a year, according to the U.S. Census Bureau. That is 0.29% of the home’s value; in Gunnison County, the rate is 0.29%.

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

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