ZIP Code 80435 — Keystone CDP, CO Demographics & Data

ZIP code 80435 covers Keystone, CO in Summit County with a population of about 8,447.

At a glance, the area shows median age of 34.8 versus a U.S. median of about 38.9.

It sits in telephone area code 970; U.S. House district CO-2; the DENVER media market.

Median household income in ZIP 80435 is about $86,023 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.0%; unemployment rate near 3.9%; 53.4% of adults with a bachelor’s degree or higher (about 19.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Healthcare, and Retail trade; about 25.2% of workers reporting work-from-home (about 10.0 points above 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 $882,100 — about 153% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,368 (about 18% above the U.S. median rent ($1,163)), and owner-occupancy near 59.0% (about 6.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 80435 in Keystone, CO, a household would need roughly $243,000 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 $5,666. That is about 182% above the local median household income ($86,023), 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 Keystone CDP, CO as Relatively Low (composite score 60.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (65.4) and wildfire (53.6). 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 Keystone CDP, CO show little to no average snow and around 14.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 386 for ZIP 80435 (Keystone CDP, 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.