Fort Garland, CO population, income and ZIP codes

Fort Garland CDP is a very small community in Colorado, with 426 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #304 of 482 ranked by population — larger than 37% of them. The median age here is 23.8 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Fort Garland CDP earn a median of $29,750 a year, 62.1% below the national figure of $78,538 and 66% below the $86,484 median for the 223 Colorado cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 33.3% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Fort Garland CDP is valued at $239,600, 21% below the national figure and 47% below the $453,600 peer median, while median gross rent runs $871 a month, 38.1% below the national figure, or roughly $10,452 across a full year. A household on the local median income would put about 35.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 8.1×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 70.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 8.1× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 23.8 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.