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McClave CDP, CO

ZIP 81057 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81057

Median Home Value
$212,500
Median Rent
$700
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,365/mo PITI).

16%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.3 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 81057 in McClave CDP, CO, a household would need roughly $58,000 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 $1,365. That is roughly in line with the local median household income ($53,295). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.0%+31% vs US avg
x
Vacancy Rate
11.3%+10% vs US avg
x
Broadband Access
89.2%+2% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
59.3%+55% vs US avg
x
$212,500
Home Value
$700
Rent
1978
Year Built
2000
Moved In

Residents have lived here since ~2000 on average

Housing Structure

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

  • 1-unit detached70.6%
  • 1-unit attached2.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other27.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$212,500
Median rent$700
Owner-occupied86.0%
Vacant11.3%
Price-to-income4.0x
Est. income to buy$58,000