ZIP Code 81435 — Mountain Village town, CO Demographics & Data

ZIP code 81435 covers Mountain Village, CO in San Miguel County with a population of about 5,626.

At a glance, the area shows median age of 40.6 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 81435 is about $81,777 — about 9% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.2%; unemployment rate near 3.7%; 72.1% of adults with a bachelor’s degree or higher (about 38.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Arts and entertainment, and Retail trade; about 17.9% of workers reporting work-from-home (about 2.7 points above 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 $706,100 — about 103% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,099 (about 6% below the U.S. median rent ($1,163)), and owner-occupancy near 59.4% (about 6.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81435 in Mountain Village, CO, a household would need roughly $194,000 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 $4,536. That is about 137% above the local median household income ($81,777), 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 Mountain Village 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 Mountain Village 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 257 for ZIP 81435 (Mountain Village 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.