US5.com
  1. Home
  2. States
  3. Colorado
  4. ZIP 81650
  5. Housing & Real Estate
Rifle city, CO

ZIP 81650 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81650

Median Home Value
$397,100
Median Rent
$1,057
Affordability Snapshot
$109,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,551/mo PITI).

16%
Rent-to-Income Ratio

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

4.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

31.3 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 81650 in Rifle city, CO, a household would need roughly $109,000 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 $2,551. That is about 34% above the local median household income ($81,506), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
75.9%+16% vs US avg
x
Vacancy Rate
5.1%-51% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
11.5%-77% vs US avg
x
Mortgage-Free
34.1%-11% vs US avg
x
$397,100
Home Value
$1,057
Rent
1990
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached60.4%
  • 1-unit attached7.6%
  • 2-9 units12.2%
  • 10+ units4.7%
  • Mobile home & other15.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$397,100
Median rent$1,057
Owner-occupied75.9%
Vacant5.1%
Price-to-income4.9x
Est. income to buy$109,000