ZIP code 81090

ZIP 81090 is a very small community in Baca County, Colorado, with 765 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #366 of 528 ranked by population — larger than 30% of them. The median age here is 57.2 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 ZIP 81090 earn a median of $35,227 a year, 55.1% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 31.5% 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 ZIP 81090 is valued at $151,100, 50.2% below the national figure, while median gross rent runs $283 a month, 79.9% below the national figure, or roughly $3,396 across a full year. A household on the local median income would put about 9.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 4.3×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 74.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 57.2 puts ZIP 81090 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 765 residents, a handful of survey responses moves every median on this page. Compare ZIP 81090 against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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.

ZIP 81090 is tabulated inside Baca County, Colorado, one of 6 ZIP areas the Census publishes for that county and 528 across Colorado. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 81090 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 81090 reports a median household income of $35,227, 18% below the $43,021 county median, and 56% below the $80,917 typical CO ZIP. Owner-occupied homes are valued at a median of $151,100, 112% above the county figure and 65% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $283 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Colorado charges 2.9% statewide, and local governments overlapping 81090 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 81090 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.