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Orchard City town, CO

ZIP 81418 — 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 81418

Median Home Value
$236,300
Median Rent
$1,423
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,518/mo PITI).

30%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

13.8 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 81418 in Orchard City town, 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.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.5%+17% vs US avg
x
Vacancy Rate
11.0%+6% vs US avg
x
Broadband Access
80.5%-8% vs US avg
x
4+ Bedrooms
10.6%-29% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
57.5%+16% vs US avg
x
Mortgage-Free
43.7%+14% vs US avg
x
$236,300
Home Value
$1,423
Rent
1979
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached78.2%
  • 1-unit attached0.0%
  • 2-9 units7.7%
  • 10+ units0.0%
  • Mobile home & other14.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$236,300
Median rent$1,423
Owner-occupied76.5%
Vacant11.0%
Price-to-income4.1x
Est. income to buy$65,000