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Cheraw town, CO

ZIP 81030 — 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 81030

Median Home Value
$97,200
Median Rent
$677
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$624/mo PITI).

22%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.0 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 81030 in Cheraw town, CO, a household would need roughly $27,000 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 $624. That sits below the local median household income ($37,083), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
72.5%+11% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
7.1%-44% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
51.9%+4% vs US avg
x
Mortgage-Free
57.8%+51% vs US avg
x
$97,200
Home Value
$677
Rent
1953
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached79.6%
  • 1-unit attached3.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other17.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$97,200
Median rent$677
Owner-occupied72.5%
Vacant0.0%
Price-to-income2.6x
Est. income to buy$27,000