ZIP Code 81130 — City of Creede town, CO Demographics & Data

ZIP code 81130 covers City of Creede, CO in Mineral County with a population of about 786.

At a glance, the area shows median age of 54.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 719, 970; U.S. House district CO-3; the DENVER media market.

Median household income in ZIP 81130 is about $52,461 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.2%; unemployment rate near 7.4%; 53.5% of adults with a bachelor’s degree or higher (about 19.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Construction, and Arts and entertainment; about 7.3% of workers reporting work-from-home (about 7.9 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 $404,800 — about 16% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $678 (about 42% below the U.S. median rent ($1,163)), and owner-occupancy near 73.1% (about 7.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81130 in City of Creede, CO, a household would need roughly $111,000 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 $2,600. That is about 112% above the local median household income ($52,461), 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 City of Creede town, CO as Very Low (composite score 5.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (45.8) and flood (7.5). 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 City of Creede town, CO show little to no average snow and around 12.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 36 for ZIP 81130 (City of Creede 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.