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Gypsum town, CO

ZIP 81637 — 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 81637

Median Home Value
$549,800
Median Rent
$1,795
Affordability Snapshot
$151,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,532/mo PITI).

20%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

25.5 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 81637 in Gypsum town, CO, a household would need roughly $151,000 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 $3,532. That is about 39% above the local median household income ($108,556), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.2%+17% vs US avg
x
Vacancy Rate
4.7%-55% vs US avg
x
Broadband Access
93.5%+8% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
19.3%-49% vs US avg
x
$549,800
Home Value
$1,795
Rent
1992
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached62.5%
  • 1-unit attached1.9%
  • 2-9 units8.7%
  • 10+ units6.5%
  • Mobile home & other20.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$549,800
Median rent$1,795
Owner-occupied76.2%
Vacant4.7%
Price-to-income5.1x
Est. income to buy$151,000