US5.com
  1. Home
  2. States
  3. Colorado
  4. ZIP 81146
  5. Housing & Real Estate
, CO

ZIP 81146 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81146

Median Home Value
$225,900
Median Rent
$484
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,451/mo PITI).

8%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

38.9 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 81146 in CO, a household would need roughly $62,000 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 $1,451. That sits below the local median household income ($69,138), 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
73.5%+12% vs US avg
x
Vacancy Rate
8.0%-22% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
3.3%-52% vs US avg
x
Rent Burden >30%
4.1%-92% vs US avg
x
Mortgage-Free
57.1%+50% vs US avg
x
$225,900
Home Value
$484
Rent
1990
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached81.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other19.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$225,900
Median rent$484
Owner-occupied73.5%
Vacant8.0%
Price-to-income3.3x
Est. income to buy$62,000