ZIP Code 81326 — Durango city, CO Demographics & Data

ZIP code 81326 covers Durango, CO in La Plata County with a population of about 2,651.

At a glance, the area shows median age of 51.8 versus a U.S. median of about 38.9.

It sits in telephone area code 970; U.S. House district CO-3; the ALBUQUERQUE - SANTA FE media market.

Median household income in ZIP 81326 is about $83,229 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.1%; unemployment rate near 2.7%; 41.9% of adults with a bachelor’s degree or higher (about 8.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 16.6% of workers reporting work-from-home (about 1.4 points above 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 $515,200 — about 48% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,045 (about 10% below the U.S. median rent ($1,163)), and owner-occupancy near 88.3% (about 22.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81326 in Durango, CO, a household would need roughly $142,000 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 $3,310. That is about 71% above the local median household income ($83,229), 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 Durango city, CO as Relatively Low (composite score 75.2), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (97.6) and flood (81.4). 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 Durango city, CO show little to no average snow.

IRS migration statistics show a net inflow of about 121 for ZIP 81326 (Durango city, 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.