ZIP Code 81122 — Bayfield town, CO Demographics & Data

ZIP code 81122 covers Bayfield, CO in La Plata County with a population of about 8,921.

At a glance, the area shows median age of 44.9 versus a U.S. median of about 38.9.

It sits in telephone area code 970; U.S. House district CO-3; the ALBUQUERQUE - SANTA FE media market.

Median household income in ZIP 81122 is about $94,450 — about 26% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.8%; unemployment rate near 5.8%; 41.5% of adults with a bachelor’s degree or higher (about 7.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Professional services; about 17.7% of workers reporting work-from-home (about 2.5 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 $445,900 — about 28% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,142 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 84.4% (about 19.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81122 in Bayfield, CO, a household would need roughly $123,000 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 $2,864. That is about 30% above the local median household income ($94,450), 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 Bayfield town, CO as Relatively Low (composite score 75.2), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (97.6) and flood (81.4). 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 Bayfield town, CO show little to no average snow and around 25.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 408 for ZIP 81122 (Bayfield town, 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.