ZIP Code 81632 — Edwards CDP, CO Demographics & Data

ZIP code 81632 covers Edwards, CO in Eagle County with a population of about 10,527.

At a glance, the area shows median age of 38.8 (near the U.S. median).

It sits in telephone area code 970; U.S. House district CO-2; the DENVER media market.

Median household income in ZIP 81632 is about $92,304 — about 23% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.5%; unemployment rate near 8.4%; 57.6% of adults with a bachelor’s degree or higher (about 23.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Healthcare; about 18.7% of workers reporting work-from-home (about 3.5 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 $734,300 — about 111% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,809 (about 56% above the U.S. median rent ($1,163)), and owner-occupancy near 66.4% (about 1.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81632 in Edwards, CO, a household would need roughly $202,000 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 $4,717. That is about 119% above the local median household income ($92,304), 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 Edwards CDP, CO as Relatively Low (composite score 76.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.5) and wildfire (75.5). 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 Edwards CDP, CO show little to no average snow and around 22.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 481 for ZIP 81632 (Edwards CDP, 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.