Ute Mountain Ute Tribe Housing Department DPA
Deferred second loan · New construction · Income limits
Down payment assistance · Montezuma County
Buying a home in Cortez, CO
1 county program and 20 statewide.Cortez has no program of its own, 1 across Montezuma County, and 20 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Cortez
No program of Cortez’s own yet
No program run for Cortez alone is listed. A home in Cortez can use Montezuma County’s programs below, plus the Colorado statewide and federal ones.
The closest city that runs its own program is Durango, about 39 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MontezumaAnywhere in Montezuma County
1 county program1 county program a Cortez homebuyer can use
The Cortez marketThe Cortez housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cortez
- 65.3% single-familysingle-family
- 1.9% townhousetownhouse
- 11.3% 2–4 units2–4 units
- 7.8% 5+ unitscondo & apartment buildings (5+ units)
- 13.8% mobile & othermobile home & other
Condos count. Cortez’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cortez’s homes were built
pre-19401970s2020+
64.7%
of Cortez homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$84,800
County area median income, 4 people (HUD)HUD area median income, Montezuma County, 4-person household (2026)
$54,247
Cortez median household incomeMedian household income in Cortez (Census, 2024)
24 of the 83 programs here set their income limit as a share of Montezuma County’s area median income, adjusted for household size. See the published limits for Montezuma County
Free help nearbyFree help near Cortez
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Cortez’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Ute Mountain Ute Tribe Housing Department DPA asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Colorado and nationwide
82 statewide & federal programs20 statewide programs, plus federal options
Cortez questions
Does Cortez have its own down payment program?
No program run for Cortez alone is listed. A home in Cortez can use the 1 program that cover Montezuma County and the 20 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cortez?
Cortez’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Montezuma County?
Each program sets its own. 24 of the programs here set theirs as a share of HUD’s area median income for Montezuma County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Cortez?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
81321
Nearby in Montezuma
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.