ZIP Code 81416 — Delta city, CO Demographics & Data

ZIP code 81416 covers Delta, CO in Delta County with a population of about 14,219.

At a glance, the area shows median age of 43.1 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 81416 is about $52,174 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.0%; unemployment rate near 3.4%; 18.6% of adults with a bachelor’s degree or higher (about 15.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Construction; about 10.4% of workers reporting work-from-home (about 4.8 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 $282,500 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $797 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 68.2% (about 2.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81416 in Delta, CO, a household would need roughly $78,000 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 $1,815. That is about 49% above the local median household income ($52,174), 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 Delta city, CO as Relatively Low (composite score 51.3), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (86.7) and flood (69.6). 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 Delta city, CO show little to no average snow.

IRS migration statistics show a net inflow of about 650 for ZIP 81416 (Delta city, 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.