ZIP Code 80427 — Central City city, CO Demographics & Data

ZIP code 80427 covers Central City, CO in Gilpin County with a population of about 625.

At a glance, the area shows median age of 35.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 303, 720, 983; U.S. House district CO-2; the DENVER media market.

Central City, CO reads as a military / base-oriented community on US5’s intent model (elevated veteran share (19.4%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 80427 is about $62,569 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.9%; unemployment rate near 3.0%; 31.2% of adults with a bachelor’s degree or higher (about 2.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Arts and entertainment, Professional services, and Food services; about 11.0% of workers reporting work-from-home (about 4.2 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 $380,100 — about 9% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,367 (about 18% above the U.S. median rent ($1,163)), and owner-occupancy near 50.1% (about 15.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 80427 in Central City, CO, a household would need roughly $105,000 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 $2,442. That is about 68% above the local median household income ($62,569), 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 Central City city, CO as Very Low (composite score 6.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (87.5) and flood (11.6). 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 Central City city, CO show little to no average snow and around 25.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 29 for ZIP 80427 (Central City city, 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.