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Ouray city, CO

ZIP 81427 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81427

Median Home Value
$562,200
Median Rent
$849
Affordability Snapshot
$155,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,611/mo PITI).

12%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

55.2 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 81427 in Ouray city, CO, a household would need roughly $155,000 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 $3,611. That is about 87% above the local median household income ($82,851), 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 40% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.0%+13% vs US avg
x
Vacancy Rate
40.0%+288% vs US avg
x
Broadband Access
93.4%+7% vs US avg
x
4+ Bedrooms
5.3%-65% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
2.7%-95% vs US avg
x
Mortgage-Free
70.5%+84% vs US avg
x
$562,200
Home Value
$849
Rent
1978
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached59.5%
  • 1-unit attached3.5%
  • 2-9 units25.6%
  • 10+ units5.5%
  • Mobile home & other6.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$562,200
Median rent$849
Owner-occupied74.0%
Vacant40.0%
Price-to-income6.8x
Est. income to buy$155,000