Chaffee County presents a valuation-versus-income tension: Zillow’s 2026-06 median home value is $696,803, while measured median asking rent is $2,430 per month and the supplied gross yield is 4.18% before costs. Buyers whose return depends on current rent should investigate unit mix and achievable lease-up; buyers needing a wide expense cushion should be cautious. These are county medians, not a property valuation or operating statement.
Within Zillow’s county series, value rose 0.73% year over year, whereas FHFA’s separately labeled 2025 repeat-transaction HPI rose 4.49%. FHFA is an appreciation index, not a dollar home value; its method and vintage cannot be averaged with Zillow’s measure. HUD’s $1,466 two-bedroom FMR is a payment standard, not asking rent or a yield input. The 0.29% effective property-tax rate reduces the room left by the stated pre-cost yield; insurance and other operating costs are not published.
Realtor.com’s 2026-06 MLS evidence shows 335 active listings, 64 median days on market, and 19.63% with price reductions. These are visible asking-market supply, marketing-time and seller-concession measures, not closed sales or proof of buyer demand. Net migration of 231 tax-return households coincides with incoming movers’ average AGI exceeding outgoing movers’ by $28,741; that describes mover composition, not tenant demand. In 2025, QCEW reports a $1,048 average weekly wage for covered workplace jobs, with leisure and hospitality the largest disclosed private supersector. The county’s 6.67% investor share of purchase mortgages should be read against 330 total purchases, not as whole-market buyer control.
The 0.27% modeled annual climate loss ratio aligns with inland flood as the dominant hazard, but it is not an observed loss or a property flood determination. Obtain parcel flood exposure, insurance quotes, condition, parcel tax bills and operating expenses, lease and vacancy evidence, and closed-sale comparables. Without those, the record cannot establish property-level net yield, financing coverage, replacement exposure, or an acquisition basis; county evidence also cannot show whether listing concessions translate into completed transactions.