ZIP Code 81524 — Loma CDP, CO Demographics & Data

ZIP code 81524 covers Loma, CO in Mesa County with a population of about 2,556.

At a glance, the area shows median age of 35.3 versus a U.S. median of about 38.9.

It sits in telephone area code 970; U.S. House district CO-3; the GRAND JUNCTION - MONTROSE media market.

Median household income in ZIP 81524 is about $109,578 — about 46% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.6%; unemployment rate near 6.6%; 34.7% of adults with a bachelor’s degree or higher (about 1.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Healthcare; about 7.2% of workers reporting work-from-home (about 8.0 points below 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 $718,800 — about 107% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 85.6% (about 20.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81524 in Loma, CO, a household would need roughly $198,000 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 $4,617. That is about 81% above the local median household income ($109,578), 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 Loma CDP, CO as Relatively Low (composite score 75.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (89.9) and flood (81.9). 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 Loma CDP, CO show little to no average snow and around 9.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 117 for ZIP 81524 (Loma 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.