US5.com
  1. Home
  2. States
  3. Colorado
  4. ZIP 81645
  5. Housing & Real Estate
Minturn town, CO

ZIP 81645 — 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 81645

Median Home Value
$1,072,300
Median Rent
$2,073
Affordability Snapshot
$295,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,888/mo PITI).

23%
Rent-to-Income Ratio

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

9.8x
Home Price-to-Income Ratio

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

43.1 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 81645 in Minturn town, CO, a household would need roughly $295,000 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 $6,888. That is about 171% above the local median household income ($108,897), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.2%+6% vs US avg
x
Vacancy Rate
22.4%+118% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
5.7%-55% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$1,072,300
Home Value
$2,073
Rent
1971
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 detached65.6%
  • 1-unit attached8.5%
  • 2-9 units20.0%
  • 10+ units2.2%
  • Mobile home & other3.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,072,300
Median rent$2,073
Owner-occupied69.2%
Vacant22.4%
Price-to-income9.8x
Est. income to buy$295,000