ZIP Code 81236 — Nathrop CDP, CO Demographics & Data

ZIP code 81236 covers Nathrop, CO in Chaffee County with a population of about 1,290.

At a glance, the area shows median age of 63.5 versus a U.S. median of about 38.9.

It sits in telephone area code 719; U.S. House district CO-7; the DENVER media market.

Nathrop, CO fits a retirement-oriented profile (high share of residents 65+ (48.3%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 81236 is about $96,372 — about 28% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.5%; unemployment rate near 9.5%; 68.5% of adults with a bachelor’s degree or higher (about 34.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Construction, and Professional services; about 13.5% of workers reporting work-from-home (about 1.7 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 $655,900 — about 88% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 97.0% (about 31.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81236 in Nathrop, CO, a household would need roughly $181,000 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 $4,213. That is about 88% above the local median household income ($96,372), 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 Nathrop CDP, CO as Relatively Low (composite score 51.1), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (71.7) and flood (64.7). 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 Nathrop CDP, CO show little to no average snow and around 9.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 59 for ZIP 81236 (Nathrop CDP, 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.