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City · 8,868 residents · Mesa County, Colorado

Redlands , Colorado

In Redlands, a typical home is worth $487,500 and typical rent is $1,488 a month. Compared with all of Mesa County, the typical home value is 29% higher, typical rent is 26% higher, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $487,500

    29% above the county

    10% below Colorado

    • Redlands
    • Mesa
    • Colorado

  • Typical rent

    $1,488a month

    26% above the county

    16% below Colorado

    • Redlands
    • Mesa
    • Colorado

  • Typical household income

    $92,391a year

    25% above the county

    3% below Colorado

    • Redlands
    • Mesa
    • Colorado

  • Households that own their home

    91%

    19 points above the county

    25 points above Colorado

    • Redlands
    • Mesa
    • Colorado

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

Redlands 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 Redlands apart

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: 49% less than in Redlands ($487,500).

  2. 91% of households in Redlands own their home, against 72% in Mesa County.

  3. Nearby, in Clifton, the typical rent is $1,107: 26% less than in Redlands ($1,488).

  4. The typical home in Redlands is worth $487,500, 29% more than in Mesa County as a whole ($378,600).

  5. The typical rent in Redlands is $1,488 a month, 26% more than in Mesa County as a whole ($1,182).

  6. The typical household income in Redlands is $92,391, 25% more than in Mesa County as a whole ($73,658).

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

The homes here

Housing in Redlands

What homes there are in Redlands, 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

In Redlands, 9 in 10 homes are single-family detached houses; in Mesa County, 7.

Year built

The typical home in Redlands was built in 1975, 12 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

$2,124 a month

Mesa County: $1,648 a month

Without a mortgage

$456 a month

Mesa County: $453 a month

Owners with a mortgage

55%

Mesa County: 66%

Owning costs more in Redlands: with a mortgage, the typical cost is $2,124 a month; in Mesa County, $1,648. Without one, $456.

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

Homes in Redlands gained value more slowly than in Mesa County: 58% since 2015–2019, against 67%.

Rent in Redlands moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureRedlandsMesa 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 2.532.342.422.53
Drive alone 77%72%65%69%
Carpool 9%8%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 14%14%21%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.53 on average, against 2.34 in Mesa County.

The car rules in Redlands: 77% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Redlands?

A typical home costs more than the typical income allows

We start with a typical home in Redlands, worth $487,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Redlands, which is $92,391 a year. For that payment to be 28% of income, a household would need to earn about $163,534 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 Redlands. 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 $17,063 (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

$3,816

at 7.18% · 30 years

Loan amount
$478,670
Total interest
$688,693
Paid off in
November 2056

Includes $8,233 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,156 a month

  • Tight

    $2,156 to $2,772 a month

  • Hard

    more than $2,772 a month

    Your payment · 50%

Compared with the typical household income in Redlands ($92,391 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,816
Principal & interest$3,243
Property tax$154
Home insurance$203
FHA mortgage insurance (MIP)$216

You need at least $17,063 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

Redlands and Mesa County

Redlands 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).

Redlands's own numbers

Typical home value
$487,500
Typical monthly rent
$1,488
Typical yearly household income
$92,391
Households that own their home
91%
Effective property tax rate
0.38%

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 Redlands

A typical home in Redlands is worth $487,500: 29% above the county and 10% below Colorado. With the typical household income in Redlands ($92,391 a year), a typical home costs 5.3 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.

  • Redlands 5.3 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

Redlands 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
  • Redlands $487,500
  • Mesa $378,600
  • Colorado $539,400
  • United States $332,700
Typical monthly rent
  • Redlands $1,488
  • Mesa $1,182
  • Colorado $1,761
  • United States $1,413
Typical yearly household income
  • Redlands $92,391
  • Mesa $73,658
  • Colorado $95,470
  • United States $80,734
See the full table
Redlands next to Mesa County and Colorado
Measure Redlands Mesa County Colorado U.S.
Typical home value $487,500 $378,600 $539,400 $332,700
Typical monthly rent $1,488 $1,182 $1,761 $1,413
Typical yearly household income $92,391 $73,658 $95,470 $80,734
Households that own their home 91% 72% 66% 65%
Typical yearly property tax $1,869 $1,439 $2,602 $3,119
Effective property tax rate 0.38% 0.38% 0.48% 0.94%
Renters with high rent for their income 67% 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 Redlands

For a typical $487,500 home in Redlands, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Redlands's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,816a month

    Least cash to close
    Down payment
    $17,063
    Cash to close
    $31,688
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $216

  • Conventional, 5% down $3,726a month

    Down payment
    $24,375
    Cash to close
    $39,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $232

  • Conventional, 20% down, no PMI $2,999a month

    Down payment
    $97,500
    Cash to close
    $112,125
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,450a month

    Down payment
    $73,125
    Cash to close
    $87,750
    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 Redlands and for Mesa County.

Property tax

Effective rate in Redlands

0.38%of the home’s value each year

$1,869 a year for the typical owner in Redlands.

  • Redlands 0.38%
  • 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 Redlands

Typical rent in Redlands is $1,488 a month: 26% above the county. In Redlands, 67% 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 Redlands

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Redlands is in ZIP code 81507.

For 2 bedrooms it is $1,750: $468 more than the fair market rent for Mesa County ($1,282).

  • 81507 $1,750$2,420

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

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Redlands

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

The HUD-approved agencies closest to the center of Redlands, 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 · 9 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 · 131 miles away · Spanish

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

  • Homesfund

    150 E 9th St, Durango · 132 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 Redlands

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 Redlands

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

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Redlands

Short answers with the numbers for Redlands 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 Redlands?

The typical home value in Redlands is $487,500, 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 Redlands?

Typical rent in Redlands is $1,488 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 Redlands?

Redlands 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 Redlands?

The typical homeowner in Redlands pays $1,869 a year, according to the U.S. Census Bureau. That is 0.38% of the home’s value; in Mesa County, the rate is 0.38%.

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

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).