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Center town, CO

ZIP 81125 — 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 81125

Median Home Value
$138,300
Median Rent
$427
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$888/mo PITI).

10%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.0 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 81125 in Center town, CO, a household would need roughly $38,000 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 $888. That sits below the local median household income ($51,667), 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.6%-4% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
78.8%-9% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
4.3%-67% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.2%-71% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$138,300
Home Value
$427
Rent
1976
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached66.7%
  • 1-unit attached2.9%
  • 2-9 units6.9%
  • 10+ units6.1%
  • Mobile home & other17.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$138,300
Median rent$427
Owner-occupied62.6%
Vacant8.6%
Price-to-income2.7x
Est. income to buy$38,000