ZIP Code 80640 — Commerce City city, CO Demographics & Data

ZIP code 80640 covers Commerce City, CO in Adams County with a population of about 14,073.

At a glance, the area shows median age of 33.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 303, 720, 983; U.S. House district CO-8; the DENVER media market.

Median household income in ZIP 80640 is about $111,145 — about 48% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.9%; unemployment rate near 2.1%; 26.4% of adults with a bachelor’s degree or higher (about 7.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Transportation; about 17.9% of workers reporting work-from-home (about 2.7 points above 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 $464,400 — about 33% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,702 (about 46% above the U.S. median rent ($1,163)), and owner-occupancy near 83.3% (about 17.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 80640 in Commerce City, CO, a household would need roughly $128,000 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 $2,983. That is about 15% above the local median household income ($111,145), 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 Commerce City city, CO as Relatively Moderate (composite score 91.2), which is among the highest nationally. The strongest component scores on US5 are flood (87.2) and wildfire (80.9). 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 Commerce City city, CO show little to no average snow and around 14.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 643 for ZIP 80640 (Commerce City city, 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.