ZIP Code 81221 — Coal Creek town, CO Demographics & Data

ZIP code 81221 covers Coal Creek, CO in Fremont County with a population of about 360.

At a glance, the area shows median age of 42.0 versus a U.S. median of about 38.9.

It sits in telephone area code 719; U.S. House district CO-7; the COLORADO SPRINGS - PUEBLO media market.

Coal Creek, 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 81221 is about $41,000 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.3%; unemployment rate near 11.9%; 12.2% of adults with a bachelor’s degree or higher (about 21.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Other services, and Mining; about 4.8% of workers reporting work-from-home (about 10.4 points below the U.S. share (15.2%)); a mean commute of about 120.0 minutes (U.S. average near 26.8).

Median home value is about $205,300 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $983 (about 15% below the U.S. median rent ($1,163)), and owner-occupancy near 84.8% (about 19.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81221 in Coal Creek, CO, a household would need roughly $57,000 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 $1,319. That is about 39% above the local median household income ($41,000), 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.

FEMA’s National Risk Index rates natural-hazard risk for Coal Creek town, CO as Relatively Low (composite score 68.6), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (94.2) and flood (80.2). 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 Coal Creek town, CO show little to no average snow and around 13.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 81221 (Coal Creek 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.