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Durango city, CO

ZIP 81303 — 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 81303

Median Home Value
$535,800
Median Rent
$1,145
Affordability Snapshot
$148,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,442/mo PITI).

15%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

39.0 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 81303 in Durango city, CO, a household would need roughly $148,000 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 $3,442. That is about 57% above the local median household income ($94,565), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.9%+10% vs US avg
x
Vacancy Rate
11.6%+13% vs US avg
x
Broadband Access
84.0%-3% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
1.0%-93% vs US avg
x
Built Post-2014
3.7%-47% vs US avg
x
Rent Burden >30%
29.4%-41% vs US avg
x
Mortgage-Free
39.8%+4% vs US avg
x
$535,800
Home Value
$1,145
Rent
1995
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 detached59.4%
  • 1-unit attached4.2%
  • 2-9 units1.9%
  • 10+ units5.4%
  • Mobile home & other29.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$535,800
Median rent$1,145
Owner-occupied71.9%
Vacant11.6%
Price-to-income5.7x
Est. income to buy$148,000