ZIP Code 81426 — Ophir town, CO Demographics & Data

ZIP code 81426 covers Ophir, CO in San Miguel County with a population of about 144.

At a glance, the area shows median age of 36.2 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 81426 is about $125,938 — about 68% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.8%; unemployment rate near 3.5%; 84.6% of adults with a bachelor’s degree or higher (about 50.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Arts and entertainment, Manufacturing, and Professional services; about 13.3% of workers reporting work-from-home (about 1.9 points below the U.S. share (15.2%)); a mean commute of about 91.0 minutes (U.S. average near 26.8).

Median home value is about $875,000 — about 151% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 69.5% (about 4.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81426 in Ophir, CO, a household would need roughly $241,000 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 $5,621. That is about 91% above the local median household income ($125,938), 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 Ophir town, CO as Very Low (composite score 19.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (80.1) and flood (31.6). 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 Ophir 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 7 for ZIP 81426 (Ophir 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.