ZIP Code 81324 — Dove Creek town, CO Demographics & Data

ZIP code 81324 covers Dove Creek, CO in Dolores County with a population of about 1,639.

At a glance, the area shows median age of 60.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 435, 970; U.S. House district CO-3; the DENVER media market.

Dove Creek, CO fits a retirement-oriented profile (high share of residents 65+ (43.6%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 81324 is about $72,279 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.3%; unemployment rate near 2.7%; 15.7% of adults with a bachelor’s degree or higher (about 18.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Professional services, and Construction; about 14.0% of workers reporting work-from-home (about 1.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $204,300 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 81.6% (about 16.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81324 in Dove Creek, CO, a household would need roughly $56,000 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 $1,312. That sits below the local median household income ($72,279), 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 Dove Creek town, CO as Very Low (composite score 11.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (79.8) and flood (8.8). 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 Dove Creek town, CO show little to no average snow and around 14.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 75 for ZIP 81324 (Dove 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.