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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Alamosa, CO Housing Affordability Index

Alamosa, Colorado has an MBR Housing Affordability Index score of 105.0 (Near National Average) as of October 30, 2026, ranking 123rd most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $225,200 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,237, or 30% of the city’s $49,688 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Alamosa is updated every night from live Colorado mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Alamosa MBR-HAI 105.0 Near National Average
Rank in Colorado 123 of 284 1 = most affordable
Colorado 83.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Colorado lenders
Median home value $225,200 U.S. Census Bureau

Alamosa is 21.7 points above the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Alamosa Mortgage Rates

What It Takes to Buy in Alamosa

$1,237/mo
Principal & Interest
Median home, 20% down, 7.31%
$53,000
Income Needed
To keep the payment at 28% of income
$49,688
Median Household Income
Colorado: $95,470
4.5x
Price-to-Income Ratio
Colorado: 5.6x
$1,020/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,166/yr
Median Property Tax
0.52% of median value
35.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
34.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Alamosa, Colorado. The rate is the Colorado average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Alamosa Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Alamosa, Colorado score: 105.0 (Near National Average), ranked 123 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/alamosa”