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Eagle town, CO

ZIP 81631 — 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 81631

Median Home Value
$717,600
Median Rent
$1,602
Affordability Snapshot
$198,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,610/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.9x
Home Price-to-Income Ratio

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

37.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 81631 in Eagle town, 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 $4,610. That is about 90% above the local median household income ($104,430), 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
71.9%+10% vs US avg
x
Vacancy Rate
6.6%-36% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
11.9%-19% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
30.1%-39% vs US avg
x
Mortgage-Free
25.0%-35% vs US avg
x
$717,600
Home Value
$1,602
Rent
1999
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached58.9%
  • 1-unit attached11.9%
  • 2-9 units17.3%
  • 10+ units7.1%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$717,600
Median rent$1,602
Owner-occupied71.9%
Vacant6.6%
Price-to-income6.9x
Est. income to buy$198,000