ZIP Code 81637 — Gypsum town, CO Demographics & Data

ZIP code 81637 covers Gypsum, CO in Garfield County with a population of about 10,344.

At a glance, the area shows median age of 36.0 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 81637 is about $108,556 — about 44% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.9%; unemployment rate near 1.2%; 30.9% of adults with a bachelor’s degree or higher (about 2.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 8.1% of workers reporting work-from-home (about 7.1 points below 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 $549,800 — about 58% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,795 (about 54% above the U.S. median rent ($1,163)), and owner-occupancy near 76.2% (about 10.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81637 in Gypsum, CO, a household would need roughly $151,000 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 $3,532. That is about 39% above the local median household income ($108,556), 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 Gypsum town, CO as Relatively Low (composite score 64.5), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (91.0) and flood (77.5). 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 Gypsum town, CO show little to no average snow and around 20.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 473 for ZIP 81637 (Gypsum 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.