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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

Carbondale, CO Housing Affordability Index

Carbondale, Colorado has an MBR Housing Affordability Index score of 68.8 (Significantly Less Affordable) as of October 30, 2026, ranking 271st most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $900,600 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $4,946, or 55% of the city’s $108,324 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Carbondale 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.

Carbondale MBR-HAI 68.8 Significantly Less Affordable
Rank in Colorado 271 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 $900,600 U.S. Census Bureau

Carbondale is 14.6 points below the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Carbondale Mortgage Rates

What It Takes to Buy in Carbondale

$4,946/mo
Principal & Interest
Median home, 20% down, 7.31%
$212,000
Income Needed
To keep the payment at 28% of income
$108,324
Median Household Income
Colorado: $95,470
8.3x
Price-to-Income Ratio
Colorado: 5.6x
$2,384/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,090/yr
Median Property Tax
0.45% of median value
36.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Carbondale Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Carbondale, Colorado score: 68.8 (Significantly Less Affordable), ranked 271 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/carbondale”