Market Overview
Home Prices in Delta, CO
The median home value in Delta, CO is $376,641 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.5% compared to a year ago and up 3.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Delta are priced8% below average. Delta is part of the Montrose, CO metro area.
Over the past five years, Delta home values have risen by approximately29.9%, reflecting strong long-term appreciation in this market.
Price History
Delta Home Price Trend
2020
$241,911
$242K
—
2021
$289,853
$290K
+19.8%
2022
$343,471
$343K
+18.5%
2023
$335,662
$336K
-2.3%
2024
$350,627
$351K
+4.5%
2025
$363,952
$364K
+3.8%
2026
$376,641
$377K
+3.5%
City Comparison
Delta vs. National Median
🏠 Delta
$376,641
National Median
$410,000
At $376,641, homes in Delta cost 8% below the national median of $410,000. This makes Delta a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Delta?
20% Down Payment
$75,328
on $376,641
Monthly P&I
$1,964/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,494/mo
incl. taxes & insurance
Income Needed
$99,760
gross annual (30% rule)
10% Down Option
$37,664
+ PMI applies
Loan Amount (20% dn)
$301,313
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Delta, CO?
The median home value in Delta is $376,641 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.5% year-over-year.
How much have home prices changed in Delta?
Over the past year, home values in Delta have increased by 3.5%. Over five years, prices have risen approximately 29.9%.
How much do I need to earn to buy a home in Delta?
To comfortably afford the median home price of $376,641 with a 20% down payment ($75,328) at today's rates (6.8%), you'd need a gross annual income of approximately $99,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Delta compare to the national average home price?
The national median home value is approximately $410,000. At $376,641, homes in Delta are 8% below the national average.
What metro area is Delta part of?
Delta is part of the Montrose, CO metropolitan area. Home prices and market conditions can vary across the broader metro region.