ZIP 81527 vs ZIP 81643

81527 is one of 17 ZIP codes that lie mostly in Mesa County, CO.

Shaded by typical home value, it ranks 5 of the 15 with a value.

Mapped in and around 81527: 98 places to go — 46 trails, 37 arts & venues, 11 day trips.

81643 is one of 17 ZIP codes that lie mostly in Mesa County, CO.

Shaded by typical home value, it ranks 6 of the 15 with a value.

Mapped in and around 81643: 47 places to go — 29 trails, 13 day trips, 4 dining.

In January 2000 the typical home in 81527 was worth $140,520.

Values peaked at $564,804 in August 2026. The latest reading is the peak.

As of August 2026: $564,804, +5.5% over twelve months.

Start with the typical home: $564,804. Put 20% down and borrow $451,843 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,128 a month in principal and interest.

The median household here earns $83,389 a year, $6,949 a month. So the payment takes 45.0% 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 11.2% 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 $841.

In December 2020, with rates at 2.68%, it was $1,252.

By August 2026, at 6.67%, it was $2,906 — +132% since December 2020, while the home's value moved +46%.

Reported values rose +302% 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 $277,331. So the real change is +104%, not +302%.

81527: +302% since January 2000.

Mesa County: +206% since January 2000.

Colorado: +199% since January 2000 — 81527 ran ahead of it by 103 points.

Owning the typical home costs about $3,693 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,328 a month.

Price divided by a year's rent: 35.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 81643 was worth $145,541.

Values peaked at $539,051 in August 2026. The latest reading is the peak.

As of August 2026: $539,051, +8.1% over twelve months.

Start with the typical home: $539,051. Put 20% down and borrow $431,241 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,986 a month in principal and interest.

The median household here earns $125,469 a year, $10,456 a month. So the payment takes 28.6% of income — rated “stretched” (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 7.7% 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 $871.

In December 2020, with rates at 2.68%, it was $1,167.

By August 2026, at 6.67%, it was $2,773 — +138% since December 2020, while the home's value moved +50%.

Reported values rose +270% 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 $287,240. So the real change is +88%, not +270%.

81643: +270% since January 2000.

Mesa County: +206% since January 2000.

Colorado: +199% since January 2000 — 81643 ran ahead of it by 72 points.

Owning the typical home costs about $3,525 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,182 a month.

Price divided by a year's rent: 38.0. 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 3 — so sales ran at 33% of it, and below it in 15 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).

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

The 2015–2019 level for the same month was 2 — so sales ran at 50% of it, and below it in 3 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: 13 in June 2026.

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

County assessor records list 741 properties with a market value here. Their average assessed market value is $327,010; the typical home value is $564,804.

The assessor average sits −42.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 692 homes with a recorded purchase date, 33% have had the same owner for 20 years or more, and 22% changed hands in the last five.

29% are owned from a different mailing address, 3% 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: 7 in June 2026.

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

County assessor records list 481 properties with a market value here. Their average assessed market value is $212,060; the typical home value is $539,051.

The assessor average sits −60.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 382 homes with a recorded purchase date, 27% have had the same owner for 20 years or more, and 25% changed hands in the last five.

91% are owned from a different mailing address, 9% from out of state.