ZIP Code 80469 — Phippsburg CDP, CO Demographics & Data

ZIP code 80469 covers Phippsburg, CO in Routt County with a population of about 407.

At a glance, the area shows median age of 33.9 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 80469 is about $111,141 — about 48% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 8.0%; 45.8% of adults with a bachelor’s degree or higher (about 12.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Other services, and Retail trade; about 14.3% of workers reporting work-from-home (roughly in line with 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 $322,500 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 72.6% (about 7.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 80469 in Phippsburg, CO, a household would need roughly $89,000 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 $2,072. That sits below the local median household income ($111,141), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Phippsburg CDP, CO as Very Low (composite score 33.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (80.5) and flood (57.5). 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 Phippsburg CDP, CO show little to no average snow and around 16.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 19 for ZIP 80469 (Phippsburg 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.