Market Overview
Home Prices in Fort Garland, CO
The median home value in Fort Garland, CO is $234,751 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.7% compared to a year ago and up 4.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Fort Garland are priced43% below average.
Over the past five years, Fort Garland home values have risen by approximately16.6%, reflecting steady appreciation in this market.
Price History
Fort Garland Home Price Trend
2020
$168,386
$168K
—
2021
$201,360
$201K
+19.6%
2022
$233,089
$233K
+15.8%
2023
$222,676
$223K
-4.5%
2024
$230,095
$230K
+3.3%
2025
$241,175
$241K
+4.8%
2026
$234,751
$235K
-2.7%
City Comparison
Fort Garland vs. National Median
🏠 Fort Garland
$234,751
National Median
$410,000
At $234,751, homes in Fort Garland cost 43% below the national median of $410,000. This makes Fort Garland a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Fort Garland?
20% Down Payment
$46,950
on $234,751
Monthly P&I
$1,224/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,554/mo
incl. taxes & insurance
Income Needed
$62,160
gross annual (30% rule)
10% Down Option
$23,475
+ PMI applies
Loan Amount (20% dn)
$187,801
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 Fort Garland, CO?
The median home value in Fort Garland is $234,751 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.7% year-over-year.
How much have home prices changed in Fort Garland?
Over the past year, home values in Fort Garland have decreased by 2.7%. Over five years, prices have risen approximately 16.6%.
How much do I need to earn to buy a home in Fort Garland?
To comfortably afford the median home price of $234,751 with a 20% down payment ($46,950) at today's rates (6.8%), you'd need a gross annual income of approximately $62,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Fort Garland compare to the national average home price?
The national median home value is approximately $410,000. At $234,751, homes in Fort Garland are 43% below the national average.