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Minturn town, CO

ZIP 81649 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81649

Median Home Value
$742,600
Median Rent
$1,450
Affordability Snapshot
$204,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,770/mo PITI).

26%
Rent-to-Income Ratio

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

10.9x
Home Price-to-Income Ratio

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

42.7 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 81649 in Minturn town, CO, a household would need roughly $204,000 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 $4,770. That is about 200% above the local median household income ($68,056), 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

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.8%+13% vs US avg
x
Vacancy Rate
22.8%+121% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
21.1%-45% vs US avg
x
$742,600
Home Value
$1,450
Rent
1973
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 detached89.2%
  • 1-unit attached3.2%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other7.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$742,600
Median rent$1,450
Owner-occupied73.8%
Vacant22.8%
Price-to-income10.9x
Est. income to buy$204,000