ZIP Code 81418 — Orchard City town, CO Demographics & Data

ZIP code 81418 covers Orchard City, CO in Delta County with a population of about 1,761.

At a glance, the area shows median age of 47.1 versus a U.S. median of about 38.9.

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

Median household income in ZIP 81418 is about $57,500 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.5%; unemployment rate near 4.1%; 14.7% of adults with a bachelor’s degree or higher (about 19.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Construction; about 4.7% of workers reporting work-from-home (about 10.5 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 $236,300 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,423 (about 22% above the U.S. median rent ($1,163)), and owner-occupancy near 76.5% (about 11.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81418 in Orchard City, CO, a household would need roughly $65,000 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 $1,518. That is roughly in line with the local median household income ($57,500). 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 Orchard City town, CO as Relatively Low (composite score 51.3), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (86.7) and flood (69.6). 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 Orchard City town, CO show little to no average snow and around 12.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 80 for ZIP 81418 (Orchard City town, 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.