US5.com
  1. Home
  2. States
  3. Colorado
  4. ZIP 81320
  5. Housing & Real Estate
, CO

ZIP 81320 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81320

Median Home Value
$250,000
Median Rent
N/A
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,606/mo PITI).

7.6x
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 81320 in CO, a household would need roughly $69,000 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 $1,606. That is about 110% above the local median household income ($32,885), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
100.0%+53% vs US avg
x
Vacancy Rate
5.3%-48% vs US avg
x
Broadband Access
83.5%-4% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
5.3%-58% vs US avg
x
Built Post-2014
0.0%
x
Mortgage-Free
72.6%+90% vs US avg
x
$250,000
Home Value
N/A
Rent
1983
Year Built
2000
Moved In

Residents have lived here since ~2000 on average

Housing Structure

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

  • 1-unit detached100.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,000
Median rent$-666,666,666
Owner-occupied100.0%
Vacant5.3%
Price-to-income7.6x
Est. income to buy$69,000