ZIP Code 81430 — Placerville CDP, CO Demographics & Data

ZIP code 81430 covers Placerville, CO in San Miguel County with a population of about 755.

At a glance, the area shows median age of 52.2 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 81430 is about $87,273 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.6%; unemployment rate near 3.5%; 70.3% of adults with a bachelor’s degree or higher (about 36.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Education, and Public administration; about 18.3% of workers reporting work-from-home (about 3.1 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 $1,004,000 — about 188% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,819 (about 56% above the U.S. median rent ($1,163)), and owner-occupancy near 82.6% (about 17.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81430 in Placerville, CO, a household would need roughly $276,000 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 $6,449. That is about 216% above the local median household income ($87,273), 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 Placerville CDP, CO as Very Low (composite score 19.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (80.1) and flood (31.6). 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 Placerville CDP, CO show little to no average snow and around 21.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 35 for ZIP 81430 (Placerville CDP, 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.