ZIP Code 81057 — McClave CDP, CO Demographics & Data

ZIP code 81057 covers McClave, CO in Bent County with a population of about 399.

At a glance, the area shows median age of 53.2 versus a U.S. median of about 38.9.

It sits in telephone area code 719; U.S. House district CO-4; the COLORADO SPRINGS - PUEBLO media market.

McClave, 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 81057 is about $53,295 — about 29% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.1%; unemployment rate near 1.0%; 21.6% of adults with a bachelor’s degree or higher (about 12.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Construction, and Education; about 9.1% of workers reporting work-from-home (about 6.1 points below the U.S. share (15.2%)); a mean commute of about 170.0 minutes (U.S. average near 26.8).

Median home value is about $212,500 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $700 (about 40% below the U.S. median rent ($1,163)), and owner-occupancy near 86.0% (about 20.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81057 in McClave, CO, a household would need roughly $58,000 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 $1,365. That is roughly in line with the local median household income ($53,295). 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 McClave CDP, CO as Very Low (composite score 5.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (64.7) and flood (7.6). 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 McClave CDP, CO show little to no average snow and around 13.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 81057 (McClave CDP, 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.