AcreScore โ€” What's this?
52/ 100

Mineral County, CO

Mineral County offers building opportunities in San Luis Valley, though some factors need consideration.

๐Ÿ“Š52/100AcreScore
๐Ÿ’ฐ$5KLand $/acre
๐Ÿ $300KHome Value
๐Ÿ‘ฅ769Population
๐Ÿ“ˆ+-2%Growth (10yr)
๐ŸŒŠ2%Flood RiskLow
๐ŸŒก๏ธVery ColdClimateZone 7

๐Ÿ—๏ธ Can You Build Here?

Colorado has no state building code โ€” regulations are county-level. Mineral County has no formal zoning ordinance, meaning most rural land can be used for residential construction including barndominiums without special permits beyond standard building codes.

ZoneMin LotBarndo OK?
UnzonedNoneโœ… Yes

Mineral County has no formal zoning ordinance. Standard building permits still required. Contact the county building department for specifics.

๐Ÿ“‹ What Permits Do You Need?

Most states allow owner-builders to act as their own general contractor for personal residences. Check Colorado requirements โ€” licensed subs are typically needed for electrical, plumbing, and HVAC.

Required Permits

  • โ€ข Building permit (residential)
  • โ€ข Septic permit (if no public sewer)
  • โ€ข Electrical permit
  • โ€ข Plumbing permit

Permit Office

Mineral County Building Department Creede, CO Contact county clerk for current hours and requirements

๐ŸŒŠ What's the Flood & Soil Risk?

Very low flood risk. Only 2% of Mineral County land falls within FEMA-designated flood zones โ€” well below the national average.

2%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

Source: FEMA National Flood Hazard Layer, USDA Web Soil Survey

๐Ÿ’ฐ What Does It Cost?

Extremely affordable. Median land prices around $5,000 per acre make Mineral County one of the most budget-friendly options in Colorado.

$5K
Median $/acre
$300K
Median Home Value
$120โ€“200
Build Cost $/sqft
0.4%
Property Tax Rate

Source: U.S. Census Bureau ACS 2024, Mineral County Assessor

๐Ÿ”๏ธ Why People Love Living Here

Mineral County sits in the heart of San Luis Valley. Alamosa is 75 min away. Colorado has a state income tax โ€” factor that into your cost-of-living calculations.

๐Ÿ—๏ธ

Affordable Land

Median land at $5,000/acre means you can buy more, build bigger, and still stay under budget.

๐Ÿ”จ

Build Freedom

No formal zoning means you can build your barndominium, shop, or homestead without jumping through bureaucratic hoops.

At a Glance

Population769
10-Year Growth-2%
County SeatCreede
State Income TaxYes
ClimateVery Cold (Zone 7)

How Close Is Everything?

Alamosa75 min
San Luis Valley Regional80 min
Austinvaries

๐Ÿ’ง Utilities & Infrastructure

Most rural Mineral County land uses well water and septic systems. Municipal utilities are available near Creede. Check with local utility providers for your specific parcel.

Electric ProviderLocal Co-op / TXU
WaterWell or Municipal
SewerSeptic (most rural)
InternetVaries by location
Cell CoverageVariable
Natural GasPropane common in rural areas

๐Ÿฆ Financing & Incentives

Mineral County qualifies for USDA Rural Development loans โ€” zero-down-payment financing for eligible buyers in most areas.

โœ… USDA Eligible
Zero down payment
FHA / VA
Available county-wide
0.4%
Property tax rate

Check USDA eligibility for your address โ†’

๐Ÿ“ Nearby Counties

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โ“ Frequently Asked Questions

Can I build a barndominium in Mineral County?
Yes. Mineral County has no formal zoning ordinance. You'll still need standard building permits, but barndominiums are generally permitted on rural land. Check with the county building department for specific requirements.
How much does land cost in Mineral County?
Median price is approximately $5,000 per acre, though prices vary by location, road access, and improvements. USDA Rural Development loans may be available for eligible buyers.
Is Mineral County eligible for USDA Rural Development loans?
Yes โ€” most of Mineral County qualifies for USDA Rural Development programs, including zero-down-payment home loans for eligible buyers.
What is the property tax rate in Mineral County?
The effective property tax rate is approximately 0.4%. Check with the county assessor for the most current rates and any available homestead exemptions.
Do I need a licensed contractor to build in Mineral County?
Most states allow owner-builders to act as their own general contractor for personal residences, though requirements vary by state and county. In Colorado, check local building codes for specific licensing requirements. You'll typically need licensed professionals for electrical, plumbing, and HVAC work.