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Silver Cliff town, CO

ZIP 81252 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81252

Median Home Value
$362,200
Median Rent
$718
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,327/mo PITI).

12%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

42.0 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 81252 in Silver Cliff town, CO, a household would need roughly $100,000 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 $2,327. That is about 41% above the local median household income ($70,825), 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 45% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.3%+34% vs US avg
x
Vacancy Rate
44.7%+334% vs US avg
x
Broadband Access
77.7%-11% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
21.7%-56% vs US avg
x
Mortgage-Free
56.8%+49% vs US avg
x
$362,200
Home Value
$718
Rent
1993
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached86.6%
  • 1-unit attached0.4%
  • 2-9 units1.8%
  • 10+ units1.5%
  • Mobile home & other9.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$362,200
Median rent$718
Owner-occupied87.3%
Vacant44.7%
Price-to-income5.1x
Est. income to buy$100,000