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Delta city, CO

ZIP 81416 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81416

Median Home Value
$282,500
Median Rent
$797
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,815/mo PITI).

18%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

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

29.5 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 81416 in Delta city, CO, a household would need roughly $78,000 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 $1,815. That is about 49% above the local median household income ($52,174), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.2%+4% vs US avg
x
Vacancy Rate
10.1%-2% vs US avg
x
Broadband Access
74.5%-14% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
15.2%-69% vs US avg
x
Mortgage-Free
43.9%+15% vs US avg
x
$282,500
Home Value
$797
Rent
1981
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached66.5%
  • 1-unit attached2.8%
  • 2-9 units6.4%
  • 10+ units3.5%
  • Mobile home & other20.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$282,500
Median rent$797
Owner-occupied68.2%
Vacant10.1%
Price-to-income5.4x
Est. income to buy$78,000