ZIP Code 81332 — Rico town, CO Demographics & Data

ZIP code 81332 covers Rico, CO in Dolores County with a population of about 452.

At a glance, the area shows median age of 51.0 versus a U.S. median of about 38.9.

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

Median household income in ZIP 81332 is about $117,500 — about 56% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.8%; unemployment rate near 0.0%; 54.4% of adults with a bachelor’s degree or higher (about 20.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Public administration, and Food services; about 10.1% of workers reporting work-from-home (about 5.1 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 $568,900 — about 63% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,392 (about 20% above the U.S. median rent ($1,163)), and owner-occupancy near 81.7% (about 16.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81332 in Rico, CO, a household would need roughly $157,000 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 $3,654. That is about 34% above the local median household income ($117,500), 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 Rico 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 Rico town, CO show little to no average snow and around 20.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 21 for ZIP 81332 (Rico 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.