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Somerset CDP, CO

ZIP 81434 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81434

Median Home Value
$638,200
Median Rent
N/A
Affordability Snapshot
$176,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,100/mo PITI).

6.3x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 81434 in Somerset CDP, CO, a household would need roughly $176,000 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 $4,100. That is about 73% above the local median household income ($101,750), 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 79% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
100.0%+53% vs US avg
x
Vacancy Rate
79.5%+672% vs US avg
x
Broadband Access
77.4%-11% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Mortgage-Free
22.6%-41% vs US avg
x
$638,200
Home Value
N/A
Rent
2002
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached96.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$638,200
Median rent$-666,666,666
Owner-occupied100.0%
Vacant79.5%
Price-to-income6.3x
Est. income to buy$176,000