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City · 6,945 residents · Mesa County, Colorado

Orchard Mesa , Colorado

In Orchard Mesa, a typical home is worth $332,600 and typical rent is $1,535 a month. Compared with all of Mesa County, typical rent is 30% higher, the typical home value is 12% lower, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $332,600

    12% below the county

    38% below Colorado

    • Orchard Mesa
    • Mesa
    • Colorado

  • Typical rent

    $1,535a month

    30% above the county

    13% below Colorado

    • Orchard Mesa
    • Mesa
    • Colorado

  • Typical household income

    $80,359a year

    9% above the county

    16% below Colorado

    • Orchard Mesa
    • Mesa
    • Colorado

  • Households that own their home

    88%

    15 points above the county

    21 points above Colorado

    • Orchard Mesa
    • Mesa
    • Colorado

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

Orchard Mesa 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Orchard Mesa apart

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

  1. Nearby, in Clifton, the typical rent is $1,107: 28% less than in Orchard Mesa ($1,535).

  2. 88% of households in Orchard Mesa own their home, against 72% in Mesa County.

  3. The typical rent in Orchard Mesa is $1,535 a month, 30% more than in Mesa County as a whole ($1,182).

  4. Nearby, in Clifton, the typical home value is $250,500: 25% less than in Orchard Mesa ($332,600).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Orchard Mesa

What homes there are in Orchard Mesa, 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 rules in Orchard Mesa: 91% of homes, more than in Mesa County (71%).

Year built

The typical home in Orchard Mesa was built in 1979, 8 years before the typical one in Mesa County.

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

$1,589 a month

Mesa County: $1,648 a month

Without a mortgage

$398 a month

Mesa County: $453 a month

Owners with a mortgage

64%

Mesa County: 66%

The typical cost for an owner with a mortgage in Orchard Mesa is $1,589 a month, near the figure in Mesa County ($1,648).

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

The Census does not compare Orchard Mesa with 2015–2019 because its boundaries changed. In Mesa County, over that time, the typical home value rose 67%.

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

MeasureOrchard MesaMesa CountyColoradoUnited States
Rental vacancy Unreliable estimate3.4%5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.9%2.4%3.4%
People per household 2.702.342.422.53
Drive alone 65%72%65%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 17%14%21%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Orchard Mesa are bigger: 2.70 people on average; in Mesa County, 2.34.

Working from home is more common in Orchard Mesa: 17%, against 14% in Mesa County.

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 Orchard Mesa?

A typical home costs more than the typical income allows

We start with a typical home in Orchard Mesa, worth $332,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Orchard Mesa, which is $80,359 a year. For that payment to be 28% of income, a household would need to earn about $112,166 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Orchard Mesa. 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 $11,641 (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

$2,617

at 7.18% · 30 years

Loan amount
$326,576
Total interest
$469,866
Paid off in
November 2056

Includes $5,617 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,875 a month

  • Tight

    $1,875 to $2,411 a month

  • Hard

    more than $2,411 a month

    Your payment · 39%

Compared with the typical household income in Orchard Mesa ($80,359 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,617
Principal & interest$2,212
Property tax$119
Home insurance$139
FHA mortgage insurance (MIP)$147

You need at least $11,641 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

Orchard Mesa and Mesa County

Orchard Mesa 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).

Orchard Mesa's own numbers

Typical home value
$332,600
Typical monthly rent
$1,535
Typical yearly household income
$80,359
Households that own their home
88%
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.

Everything about Mesa County

Buying

Buying a home in Orchard Mesa

A typical home in Orchard Mesa is worth $332,600: 12% below the county and 38% below Colorado. With the typical household income in Orchard Mesa ($80,359 a year), a typical home costs 4.1 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.

  • Orchard Mesa 4.1 years
  • Mesa 5.1 years
  • Colorado 5.6 years
  • United States 4.1 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.

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

Orchard Mesa 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
  • Orchard Mesa $332,600
  • Mesa $378,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Orchard Mesa $1,535
  • Mesa $1,182
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Orchard Mesa $80,359
  • Mesa $73,658
  • Colorado $95,470
  • United States $80,734
See the full table
Orchard Mesa next to Mesa County and Colorado
Measure Orchard Mesa Mesa County Colorado U.S.
Typical home value $332,600 $378,600 $539,400 $332,700
Typical monthly rent $1,535 $1,182 $1,761 $1,413
Typical yearly household income $80,359 $73,658 $95,470 $80,734
Households that own their home 88% 72% 66% 65%
Typical yearly property tax $1,417 $1,439 $2,602 $3,119
Effective property tax rate 0.43% 0.38% 0.48% 0.94%
Renters with high rent for their income 59% 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 Orchard Mesa

For a typical $332,600 home in Orchard Mesa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orchard Mesa's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,617a month

    Least cash to close
    Down payment
    $11,641
    Cash to close
    $21,619
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $147

  • Conventional, 5% down $2,556a month

    Down payment
    $16,630
    Cash to close
    $26,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $158

  • Conventional, 20% down, no PMI $2,060a month

    Down payment
    $66,520
    Cash to close
    $76,498
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,368a month

    Down payment
    $49,890
    Cash to close
    $59,868
    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 Orchard Mesa and for Mesa County.

Property tax

Effective rate in Orchard Mesa

0.43%of the home’s value each year

$1,417 a year for the typical owner in Orchard Mesa.

  • Orchard Mesa 0.43%
  • Mesa 0.38%
  • 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 Mesa County

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

Homes in the high-risk zone
1%
628
Of those, with NFIP insurance
22%
County Colorado U.S.
Homes in the high-risk zone 1% 1.1% 3.5%
Of those, with NFIP insurance 22% 24% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Orchard Mesa

Typical rent in Orchard Mesa is $1,535 a month: 30% above the county. In Orchard Mesa, 59% 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.

HUD fair market rent for all of Mesa 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 $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 Orchard Mesa

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orchard Mesa is in ZIP code 81503.

For 2 bedrooms it is $1,190: $92 less than the fair market rent for Mesa County ($1,282).

  • 81503 $1,190$1,650

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

Free help

Help to buy or rent in Orchard Mesa

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.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Orchard Mesa

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

The HUD-approved agencies closest to the center of Orchard Mesa, 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 · 3 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 · 126 miles away · Spanish

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

  • Homesfund

    150 E 9th St, Durango · 127 miles away

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

Every agency in Mesa County All counseling agencies in Colorado

Help in Spanish near Orchard Mesa

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 Orchard Mesa

In HUD’s record, no housing authority with an office in Mesa County is named for Orchard Mesa or Mesa County.

One other authority has an office in Mesa County: see the list Source: HUD

Cities

Other cities in Mesa County

These cities are also in Mesa County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Mesa County Housing in Colorado

Nearby cities

The cities closest to Orchard Mesa, with the typical home value.

Neighboring counties

If Mesa 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 Orchard Mesa.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Orchard Mesa

Short answers with the numbers for Orchard Mesa 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 Orchard Mesa?

The typical home value in Orchard Mesa is $332,600, 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 Orchard Mesa?

Typical rent in Orchard Mesa is $1,535 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 Orchard Mesa?

Orchard Mesa 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 Orchard Mesa?

The typical homeowner in Orchard Mesa pays $1,417 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 Orchard Mesa?

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.

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).