ZIP Code 80746 — Paoli town, CO Demographics & Data

ZIP code 80746 covers Paoli, CO in Phillips County with a population of about 60.

At a glance, the area shows median age of 23.8 versus a U.S. median of about 38.9.

It sits in telephone area code 970; U.S. House district CO-4; the DENVER media market.

On socioeconomic markers, US5 shows a poverty rate of 51.7%; unemployment rate near 3.1%; 11.1% of adults with a bachelor’s degree or higher (about 22.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Agriculture; a mean commute of about 31.0 minutes (U.S. average near 26.8).

Median home value is about $183,300 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 34.5% (about 30.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 80746 in Paoli, CO, a household would need roughly $50,000 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 $1,177. 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 Paoli town, CO as Very Low (composite score 12.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (31.5) and flood (8.3). 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 Paoli town, CO show little to no average snow and around 17.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 80746 (Paoli town, 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.