ZIP Code 81004 — Pueblo city, CO Demographics & Data

ZIP code 81004 covers Pueblo, CO in Pueblo County with a population of about 26,362.

At a glance, the area shows median age of 39.3 (near the U.S. median).

It sits in telephone area code 719; U.S. House district CO-3; the COLORADO SPRINGS - PUEBLO media market.

Pueblo, CO is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

Median household income in ZIP 81004 is about $48,620 — about 35% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.1%; unemployment rate near 7.7%; 20.3% of adults with a bachelor’s degree or higher (about 13.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 6.0% of workers reporting work-from-home (about 9.2 points below 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 $181,200 — about 48% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $846 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 56.6% (about 8.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81004 in Pueblo, CO, a household would need roughly $50,000 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 $1,164. That is roughly in line with the local median household income ($48,620). 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 Pueblo city, CO as Relatively Moderate (composite score 82.5), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (92.7) and flood (81.1). 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 Pueblo city, CO show little to no average snow and around 12.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,205 for ZIP 81004 (Pueblo 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.