ZIP 81643 vs ZIP 81506

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.

81506 is one of 17 ZIP codes that lie mostly in Mesa County, CO.

Shaded by typical home value, it ranks 7 of the 15 with a value.

Mapped in and around 81506: 39 places to go — 16 dining, 11 day trips, 5 trails.

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.

In January 2000 the typical home in 81506 was worth $181,249.

Values peaked at $518,832 in June 2026. The latest reading is −0.1% from that peak.

As of August 2026: $518,384, +1.9% over twelve months.

Start with the typical home: $518,384. Put 20% down and borrow $414,707 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,871 a month in principal and interest.

The median household here earns $76,464 a year, $6,372 a month. So the payment takes 45.1% 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 15.8% 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 $1,085.

In December 2020, with rates at 2.68%, it was $1,179.

By August 2026, at 6.67%, it was $2,667 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +186% 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 $357,714. So the real change is +45%, not +186%.

81506: +186% since January 2000.

Mesa County: +206% since January 2000.

Colorado: +199% since January 2000 — 81506 ran behind it by 13 points.

Owning the typical home costs about $3,390 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,952 a month.

Price divided by a year's rent: 22.1. 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 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).

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 31 a month (Redfin, 3-month rolling data through August 2026). That is 112% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 92.

Going out — closed sales: about 23 a month. That is 73% of the 2015–2019 level for the same months. The drain is drawn 40% narrower: the share of homes for sale that sell each month is 60% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.0 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 23 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 29 — so sales ran at 79% of it, and below it in 22 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: 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.

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: 92 in June 2026.

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

County assessor records list 4,723 properties with a market value here. Their average assessed market value is $455,690; the typical home value is $518,384.

The assessor average sits −12.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 4,599 homes with a recorded purchase date, 27% have had the same owner for 20 years or more, and 24% changed hands in the last five.

22% are owned from a different mailing address, 5% from out of state.