ZIP Code 80517 — Estes Park town, CO Demographics & Data

ZIP code 80517 covers Estes Park, CO in Larimer County with a population of about 10,093.

At a glance, the area shows median age of 58.1 versus a U.S. median of about 38.9.

It sits in telephone area code 970; U.S. House district CO-2; the DENVER media market.

Estes Park, CO fits a retirement-oriented profile (high share of residents 65+ (36.8%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 80517 is about $89,659 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 2.0%; 54.6% of adults with a bachelor’s degree or higher (about 20.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Other services; about 15.7% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $670,200 — about 93% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,288 (about 11% above the U.S. median rent ($1,163)), and owner-occupancy near 79.2% (about 13.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 80517 in Estes Park, CO, a household would need roughly $184,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,305. That is about 105% above the local median household income ($89,659), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Estes Park town, CO as Relatively Moderate (composite score 90.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (97.7) and flood (89.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Estes Park town, CO show little to no average snow and around 17.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 461 for ZIP 80517 (Estes Park town, CO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.