US5.com
  1. Home
  2. States
  3. Colorado
  4. ZIP 81235
  5. Housing & Real Estate
Cathedral CDP, CO

ZIP 81235 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81235

Median Home Value
$456,500
Median Rent
$958
Affordability Snapshot
$126,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,932/mo PITI).

17%
Rent-to-Income Ratio

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

6.7x
Home Price-to-Income Ratio

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

39.7 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 81235 in Cathedral CDP, CO, a household would need roughly $126,000 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 $2,932. That is about 86% above the local median household income ($67,750), 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 58% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.5%+20% vs US avg
x
Vacancy Rate
57.5%+459% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
5.4%-89% vs US avg
x
Mortgage-Free
49.4%+29% vs US avg
x
$456,500
Home Value
$958
Rent
1985
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached88.5%
  • 1-unit attached2.0%
  • 2-9 units6.5%
  • 10+ units0.4%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$456,500
Median rent$958
Owner-occupied78.5%
Vacant57.5%
Price-to-income6.7x
Est. income to buy$126,000