ZIP Code 81225 — Mount Crested Butte town, CO Demographics & Data

ZIP code 81225 covers Mount Crested Butte, CO in Gunnison County with a population of about 829.

At a glance, the area shows median age of 40.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 81225 is about $93,182 — about 24% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 0.0%; 80.8% of adults with a bachelor’s degree or higher (about 47.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Real estate, and Manufacturing; about 12.9% of workers reporting work-from-home (about 2.3 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 $594,600 — about 71% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,582 (about 36% above the U.S. median rent ($1,163)), and owner-occupancy near 71.1% (about 5.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81225 in Mount Crested Butte, CO, a household would need roughly $164,000 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 $3,820. That is about 76% above the local median household income ($93,182), 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 Mount Crested Butte town, CO as Relatively Low (composite score 45.0), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (70.2) and flood (57.0). 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 Mount Crested Butte town, CO show little to no average snow and around 23.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 38 for ZIP 81225 (Mount Crested Butte 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.