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Ophir town, CO

ZIP 81426 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81426

Median Home Value
$875,000
Median Rent
N/A
Affordability Snapshot
$241,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,621/mo PITI).

6.9x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 81426 in Ophir town, 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.

Housing Tenure

Vacancy rate 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.5%+6% vs US avg
x
Vacancy Rate
30.6%+197% vs US avg
x
Broadband Access
84.8%-3% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
38.9%-22% vs US avg
x
Mortgage-Free
12.2%-68% vs US avg
x
$875,000
Home Value
N/A
Rent
1990
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached97.6%
  • 1-unit attached2.4%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$875,000
Median rent$-666,666,666
Owner-occupied69.5%
Vacant30.6%
Price-to-income6.9x
Est. income to buy$241,000