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Howard CDP, CO

ZIP 81233 — 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 81233

Median Home Value
$386,500
Median Rent
N/A
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,483/mo PITI).

6.7x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 81233 in Howard CDP, CO, a household would need roughly $106,000 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 $2,483. That is about 84% above the local median household income ($57,664), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.5%+22% vs US avg
x
Vacancy Rate
21.2%+106% vs US avg
x
Broadband Access
86.3%-1% 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%
0.0%
x
Mortgage-Free
47.6%+25% vs US avg
x
$386,500
Home Value
N/A
Rent
1977
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached91.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other8.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$386,500
Median rent$-666,666,666
Owner-occupied79.5%
Vacant21.2%
Price-to-income6.7x
Est. income to buy$106,000