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Pueblo city, CO

ZIP 81004 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81004

Median Home Value
$181,200
Median Rent
$846
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,164/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 81004 in Pueblo city, 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.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
56.6%-14% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
11.3%-12% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
26.5%-47% vs US avg
x
Mortgage-Free
37.2%-3% vs US avg
x
$181,200
Home Value
$846
Rent
1948
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached76.8%
  • 1-unit attached1.4%
  • 2-9 units10.0%
  • 10+ units9.3%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,200
Median rent$846
Owner-occupied56.6%
Vacant9.6%
Price-to-income3.7x
Est. income to buy$50,000