ZIP code 81430

ZIP 81430 is a very small community in San Miguel County, Colorado, with 755 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #367 of 528 ranked by population — larger than 30% of them. The median age here is 52.2 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 81430 earn a median of $87,273 a year, 11.1% above the national figure of $78,538. 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 1.6% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 81430 is valued at $1,004,000, 230.9% above the national figure, while median gross rent runs $1,819 a month, 29.4% above the national figure, or roughly $21,828 across a full year. A household on the local median income would put about 25% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 11.5×, 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. 82.6% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 11.5× 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 52.2 puts ZIP 81430 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.

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.

ZIP 81430 is tabulated inside San Miguel County, Colorado, one of 5 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 81430 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 81430 reports a median household income of $87,273, close to the $87,273 county median, and 8% above the $80,917 typical CO ZIP. Owner-occupied homes are valued at a median of $1,004,000, 42% above the county figure and 134% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,819 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 81430 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 81430 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.