ZIP Code 81645 — Minturn town, CO Demographics & Data

ZIP code 81645 covers Minturn, CO in Eagle County with a population of about 1,024.

At a glance, the area shows median age of 38.2 (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 81645 is about $108,897 — about 45% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 5.8%; 57.8% of adults with a bachelor’s degree or higher (about 24.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Public administration, and Food services; about 6.3% of workers reporting work-from-home (about 8.9 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 $1,072,300 — about 208% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,073 (about 78% above the U.S. median rent ($1,163)), and owner-occupancy near 69.2% (about 3.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81645 in Minturn, CO, a household would need roughly $295,000 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 $6,888. That is about 171% above the local median household income ($108,897), 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 Minturn town, 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 Minturn town, CO show little to no average snow and around 22.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 47 for ZIP 81645 (Minturn 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.