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Mountain Village town, CO

ZIP 81435 — 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 81435

Median Home Value
$706,100
Median Rent
$1,099
Affordability Snapshot
$194,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,536/mo PITI).

16%
Rent-to-Income Ratio

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

8.6x
Home Price-to-Income Ratio

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

53.5 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 81435 in Mountain Village town, CO, a household would need roughly $194,000 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 $4,536. That is about 137% above the local median household income ($81,777), 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 44% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.4%-9% vs US avg
x
Vacancy Rate
43.7%+324% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
9.4%-36% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.0%-50% vs US avg
x
Mortgage-Free
44.3%+16% vs US avg
x
$706,100
Home Value
$1,099
Rent
1994
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached42.0%
  • 1-unit attached4.3%
  • 2-9 units16.9%
  • 10+ units35.8%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$706,100
Median rent$1,099
Owner-occupied59.4%
Vacant43.7%
Price-to-income8.6x
Est. income to buy$194,000