ZIP Code 81220 — undefined, CO Demographics & Data

ZIP code 81220 covers CO in Gunnison County with a population of about 218.

At a glance, the area shows median age of 56.0 versus a U.S. median of about 38.9.

It sits in telephone area code 970; U.S. House district CO-3; the GRAND JUNCTION - MONTROSE media market.

CO ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$237,955)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 81220 is about $237,955 — about 217% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.4%; unemployment rate near 0.0%; 66.3% of adults with a bachelor’s degree or higher (about 32.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Wholesale trade, and Education; about 11.6% of workers reporting work-from-home (about 3.6 points below the U.S. share (15.2%)); a mean commute of about 76.0 minutes (U.S. average near 26.8).

Median home value is about $637,100 — about 83% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.0% (about 24.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81220 in CO, a household would need roughly $175,000 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 $4,093. That sits below the local median household income ($237,955), 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 CO as Relatively Low (composite score 45.0), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (70.2) and flood (57.0). 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 CO show little to no average snow and around 14.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 81220 (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.