US5.com
  1. Home
  2. States
  3. Colorado
  4. ZIP 81524
  5. Housing & Real Estate
Loma CDP, CO

ZIP 81524 — 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 81524

Median Home Value
$718,800
Median Rent
N/A
Affordability Snapshot
$198,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,617/mo PITI).

6.6x
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 81524 in Loma CDP, CO, a household would need roughly $198,000 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 $4,617. That is about 81% above the local median household income ($109,578), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
85.6%+31% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
3.8%-75% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
7.5%+9% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
30.9%-19% vs US avg
x
$718,800
Home Value
N/A
Rent
2002
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached87.3%
  • 1-unit attached8.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$718,800
Median rent$-666,666,666
Owner-occupied85.6%
Vacant7.5%
Price-to-income6.6x
Est. income to buy$198,000