ZIP Code 81251 — Twin Lakes CDP, CO Demographics & Data

ZIP code 81251 covers Twin Lakes, CO in Lake County with a population of about 362.

At a glance, the area shows median age of 59.2 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.

Twin Lakes, CO reads as a military / base-oriented community on US5’s intent model (elevated veteran share (20.3%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 81251 is about $75,333 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.1%; unemployment rate near 0.0%; 71.9% of adults with a bachelor’s degree or higher (about 38.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Professional services, and Healthcare; about 6.7% of workers reporting work-from-home (about 8.5 points below the U.S. share (15.2%)); a mean commute of about 168.0 minutes (U.S. average near 26.8).

Median home value is about $482,600 — about 39% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.3% (about 28.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81251 in Twin Lakes, CO, a household would need roughly $133,000 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 $3,100. That is about 77% above the local median household income ($75,333), 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 Twin Lakes CDP, CO as Very Low (composite score 5.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (23.4) and flood (8.7). 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 Twin Lakes CDP, CO show little to no average snow and around 10.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 17 for ZIP 81251 (Twin Lakes 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.