ZIP 81525 vs ZIP 81521

81525 is one of 17 ZIP codes that lie mostly in Mesa County, CO.

Shaded by typical home value, it ranks 9 of the 15 with a value.

Mapped in and around 81525: 32 places to go — 19 trails, 11 day trips, 2 arts & venues.

81521 is one of 17 ZIP codes that lie mostly in Mesa County, CO.

Shaded by typical home value, it ranks 10 of the 15 with a value.

Mapped in and around 81521: 135 places to go — 64 trails, 23 dining, 23 arts & venues.

7 school locations in 81521: 4 elementary, 1 middle, 2 high.

In alphabetical order: Fruita 8/9 School, Fruita Middle School, Fruita Monument High School, Monument Ridge Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In June 2007 the typical home in 81525 was worth $269,618.

Values peaked at $489,820 in August 2026. The latest reading is the peak.

As of August 2026: $489,820, +6.4% over twelve months.

Start with the typical home: $489,820. Put 20% down and borrow $391,856 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,713 a month in principal and interest.

The median household here earns $71,702 a year, $5,975 a month. So the payment takes 45.4% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 25.0% in 2007.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in June 2007 (6.66%) the payment was $1,386.

In December 2020, with rates at 2.68%, it was $1,114.

By August 2026, at 6.67%, it was $2,520 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +82% since June 2007.

General prices (CPI-U) rose +61% over the same span.

Divide one by the other: in August 2026 dollars, the 2007 home was worth $434,715. So the real change is +13%, not +82%.

81525: +82% since June 2007.

Mesa County: +74% since June 2007.

Colorado: +120% since June 2007 — 81525 ran behind it by 38 points.

Owning the typical home costs about $3,203 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,340 a month.

Price divided by a year's rent: 30.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 81521 was worth $145,317.

Values peaked at $485,728 in August 2026. The latest reading is the peak.

As of August 2026: $485,728, +2.7% over twelve months.

Start with the typical home: $485,728. Put 20% down and borrow $388,582 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,690 a month in principal and interest.

The median household here earns $82,632 a year, $6,886 a month. So the payment takes 39.1% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 11.7% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $870.

In December 2020, with rates at 2.68%, it was $1,101.

By August 2026, at 6.67%, it was $2,499 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +234% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $286,798. So the real change is +69%, not +234%.

81521: +234% since January 2000.

Mesa County: +206% since January 2000.

Colorado: +199% since January 2000 — 81521 ran ahead of it by 36 points.

Owning the typical home costs about $3,176 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,704 a month.

Price divided by a year's rent: 23.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 14 of the last 24 months.

Across Mesa County, builders pulled permits for 810 new homes in 2025.

Of those, 86% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 41 a month (Redfin, 3-month rolling data through August 2026). That is 116% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 119.

Going out — closed sales: about 31 a month. That is 69% of the 2015–2019 level for the same months. The drain is drawn 37% narrower: the share of homes for sale that sell each month is 63% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.8 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 31 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 36 — so sales ran at 86% of it, and below it in 23 of the last 24 months.

Across Mesa County, builders pulled permits for 810 new homes in 2025.

Of those, 86% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Mesa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,295 moved in. Among the ten receiving the most, 976 moved out.

Net across those counties: +319 households. Beside it, homes for sale in this ZIP: 6 in June 2026.

Most arrivals came from Garfield, CO (237 households); most departures went to Delta, CO (151).

County assessor records list 317 properties with a market value here. Their average assessed market value is $247,780; the typical home value is $489,820.

The assessor average sits −49.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 295 homes with a recorded purchase date, 12% have had the same owner for 20 years or more, and 29% changed hands in the last five.

32% are owned from a different mailing address, 2% from out of state.

This ZIP sits in Mesa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,295 moved in. Among the ten receiving the most, 976 moved out.

Net across those counties: +319 households. Beside it, homes for sale in this ZIP: 119 in June 2026.

Most arrivals came from Garfield, CO (237 households); most departures went to Delta, CO (151).

County assessor records list 5,868 properties with a market value here. Their average assessed market value is $410,915; the typical home value is $485,728.

The assessor average sits −15.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 6,008 homes with a recorded purchase date, 21% have had the same owner for 20 years or more, and 27% changed hands in the last five.

25% are owned from a different mailing address, 3% from out of state.