ZIP Code 81646 — undefined, CO Demographics & Data

ZIP code 81646 covers CO in Mesa County with a population of about 207.

At a glance, the area shows median age of 43.4 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 81646 is about $85,577 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 0.0%; 37.5% of adults with a bachelor’s degree or higher (about 3.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Agriculture, and Construction; about 5.7% of workers reporting work-from-home (about 9.5 points below the U.S. share (15.2%)); a mean commute of about 83.0 minutes (U.S. average near 26.8).

Median home value is about $470,700 — about 35% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 84.9% (about 19.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81646 in CO, a household would need roughly $130,000 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 $3,024. That is about 52% above the local median household income ($85,577), 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 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 CO show little to no average snow and around 31.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 81646 (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.