ZIP Code 81030 — Cheraw town, CO Demographics & Data

ZIP code 81030 covers Cheraw, CO in Otero County with a population of about 153.

At a glance, the area shows median age of 61.4 versus a U.S. median of about 38.9.

It sits in telephone area code 719; U.S. House district CO-3; the COLORADO SPRINGS - PUEBLO media market.

Cheraw, CO is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

Median household income in ZIP 81030 is about $37,083 — about 51% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.9%; unemployment rate near 8.3%; 8.9% of adults with a bachelor’s degree or higher (about 24.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Agriculture, and Healthcare; about 6.1% of workers reporting work-from-home (about 9.1 points below the U.S. share (15.2%)); a mean commute of about 62.0 minutes (U.S. average near 26.8).

Median home value is about $97,200 — about 72% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $677 (about 42% below the U.S. median rent ($1,163)), and owner-occupancy near 72.5% (about 7.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81030 in Cheraw, CO, a household would need roughly $27,000 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 $624. That sits below the local median household income ($37,083), 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 Cheraw town, CO as Relatively Low (composite score 50.7), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (75.9) and flood (60.1). 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 Cheraw town, CO show little to no average snow and around 13.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 7 for ZIP 81030 (Cheraw 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.