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La Veta town, CO

ZIP 81055 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81055

Median Home Value
$375,600
Median Rent
$759
Affordability Snapshot
$103,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,413/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

41.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 81055 in La Veta town, CO, a household would need roughly $103,000 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 $2,413. That is about 94% above the local median household income ($53,036), 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.

Housing Tenure

Vacancy rate 56% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.5%+31% vs US avg
x
Vacancy Rate
55.6%+440% vs US avg
x
Broadband Access
75.5%-13% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
20.7%-58% vs US avg
x
Mortgage-Free
68.1%+78% vs US avg
x
$375,600
Home Value
$759
Rent
1981
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached81.7%
  • 1-unit attached2.4%
  • 2-9 units5.5%
  • 10+ units1.4%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$375,600
Median rent$759
Owner-occupied85.5%
Vacant55.6%
Price-to-income7.1x
Est. income to buy$103,000