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Featured local agent — Divide, CO
Sarah Mitchell
Compass Real Estate · Divide, CO
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Divide, CO Housing Market
The typical home in Divide, CO is worth $494,819, fell 3.6% over the past year (Zillow Home Value Index, July 2026). On the supply and pace-of-sale data we hold, Divide is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $494,819 home is about $2,544/mo in principal and interest.
Key numbers for Divide, CO
Typical home value
$494,819
-3.6% in 12 months
Zillow, July 2026
Active listings
2
Redfin, through February 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Divide a buyer's or seller's market?
Divide, CO is a balanced market. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Divide housing market data show?
Every row below is Redfin's final published month for Divide, CO. Redfin, through February 2026
| Metric | Value |
|---|---|
| Median list price | $715,000 |
| Active inventory | 2 listings |
| New listings (that month) | 1 |
| Listings with a price cut | 50.0% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Divide is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Divide is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Divide home prices moved?
We hold fewer than three months of sale history for Divide, CO, which is not enough to draw a trend line without misleading you. The Zillow value figures above are the current read for this city.
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What does it cost to buy a home in Divide?
Priced off the typical home value of $494,819 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $98,964 | $395,855 | $2,544/mo |
| 5% | $24,741 | $470,078 | $3,021/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,544, that implies roughly $109,023 a year before you add taxes and insurance. We do not hold a Census income figure for Divide, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Divide in the next 12 months?
Tell us your timeline. We send the Divide market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Divide?
Zillow does not publish a rent index (ZORI) for Divide, CO, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Divide?
Active listings in Divide, CO went from 1 in May 2023 to 2 in February 2026, a +100.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| August 2023 | 2 | 1 |
| September 2023 | 2 | 1 |
| October 2023 | 2 | 1 |
| April 2024 | 1 | 1 |
| October 2024 | 3 | not published |
| November 2024 | 2 | 1 |
| March 2025 | 1 | not published |
| June 2025 | 2 | not published |
| July 2025 | 1 | 1 |
| October 2025 | 3 | 1 |
| December 2025 | 2 | not published |
| February 2026 | 2 | 1 |
Redfin, through February 2026
How does Divide compare to Colorado and the U.S.?
We do not hold a Colorado statewide row for the same period as Divide, so a side-by-side would be comparing two different months. The Colorado housing market hub shows every city we do track, and the comparison tool puts any two markets next to each other.
What to do next in Divide
What buyers should watch
- The share of listings cutting price, currently 50.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $477 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $494,819 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- Your equity moved -3.6% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Divide varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Divide
There are currently 2 homes listed for sale in Divide, Colorado. The median listing price is $715K.
Active listings
2
Homes on market
Median list price
$715K
New this week
1
Newly listed
Who lives in Divide?
American Community Survey estimates for Divide. U.S. Census ACS, 2023
Population
88
Households
20
Median age
46.6 years
Owner-occupied
100.0%
100.0% of occupied homes in Divide are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which public schools serve Divide?
1 schools tracked · 274 students
The largest public schools serving Divide, CO by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Summit Elementary School
Grades PK-6 · 274 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Divide, CO?
Ordered by distance from Divide, not by size. Compare Divide side by side with any of them.
Divide housing market FAQ
Is Divide a buyer's or seller's market?
Divide, CO is currently a balanced market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Divide?
The typical home in Divide, CO is worth $494,819 (Zillow Home Value Index, July 2026).
Is Divide cheaper than the rest of Colorado?
We do not currently hold a statewide comparison row for Colorado at the same period as Divide, so we are not going to assert a comparison we cannot show the math on. The Colorado hub lists every city we do track.
How long do homes take to sell in Divide?
We do not hold a days-on-market figure for Divide, CO. Redfin stopped publishing its public market tracker in June 2026, so this metric is frozen wherever it exists and missing where it never landed.
What income do you need to buy a home in Divide?
At the current 30-year fixed rate of 6.66%, 20% down on a $494,819 home is about $2,544 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $109,023 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Divide?
The typical home value in Divide, CO fell 3.6% over the last 12 months, from $513,247 to $494,819 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Divide?
Divide ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Divide?
That depends on your timeline, not on a headline. What the data says today: Divide, CO is a balanced market, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $494,819, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.