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Vail town, CO

ZIP 81657 — 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 81657

Median Home Value
$1,048,600
Median Rent
$1,600
Affordability Snapshot
$289,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,736/mo PITI).

18%
Rent-to-Income Ratio

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

10.0x
Home Price-to-Income Ratio

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

54.6 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 81657 in Vail town, CO, a household would need roughly $289,000 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 $6,736. That is about 174% above the local median household income ($105,370), 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 66% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.1%+4% vs US avg
x
Vacancy Rate
65.7%+538% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
7.6%-49% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
32.0%-36% vs US avg
x
Mortgage-Free
48.1%+26% vs US avg
x
$1,048,600
Home Value
$1,600
Rent
1985
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached15.9%
  • 1-unit attached19.3%
  • 2-9 units19.7%
  • 10+ units44.8%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,048,600
Median rent$1,600
Owner-occupied68.1%
Vacant65.7%
Price-to-income10.0x
Est. income to buy$289,000