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Coal Creek town, CO

ZIP 81221 — 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 81221

Median Home Value
$205,300
Median Rent
$983
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,319/mo PITI).

29%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

17.4 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 81221 in Coal Creek town, CO, a household would need roughly $57,000 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 $1,319. That is about 39% above the local median household income ($41,000), 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
84.8%+30% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
69.7%-20% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.0%-60% vs US avg
x
Mortgage-Free
39.3%+3% vs US avg
x
$205,300
Home Value
$983
Rent
1994
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached62.3%
  • 1-unit attached0.0%
  • 2-9 units2.7%
  • 10+ units0.0%
  • Mobile home & other34.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$205,300
Median rent$983
Owner-occupied84.8%
Vacant9.6%
Price-to-income5.0x
Est. income to buy$57,000