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Gunnison city, CO

ZIP 81230 — 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 81230

Median Home Value
$495,200
Median Rent
$950
Affordability Snapshot
$136,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,181/mo PITI).

16%
Rent-to-Income Ratio

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

6.9x
Home Price-to-Income Ratio

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

43.4 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 81230 in Gunnison city, CO, a household would need roughly $136,000 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 $3,181. That is about 91% above the local median household income ($71,263), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.2%-6% vs US avg
x
Vacancy Rate
11.8%+15% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
33.0%-34% vs US avg
x
Mortgage-Free
37.9%-1% vs US avg
x
$495,200
Home Value
$950
Rent
1985
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached61.4%
  • 1-unit attached5.7%
  • 2-9 units16.4%
  • 10+ units9.2%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$495,200
Median rent$950
Owner-occupied61.2%
Vacant11.8%
Price-to-income6.9x
Est. income to buy$136,000