Gardner, CO · standard
ZIP Code 81040
Huerfano County, Colorado - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 536
- 0/sq mi
- $30,978
- Median income
- 30.0%
- Bachelor's or higher
National ZIP placement
Gardner pairs one of the lowest household incomes in the country, in a rural, homeowner-dominated area.
- 2nd pct
- household income, US ZIPs
- 0
- people per sq mi
- 94%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 81040 against every reporting US ZIP.
ZIP code 81040 is a sparsely populated ZIP (a standard USPS delivery area) in Gardner, Huerfano County, Colorado, home to just 536 residents across 1340.0 square miles, a density of 0 people per square mile, in the Denver time zone.
ZIP 81040 sits on the lower end of the income spectrum: median household income is $30,978 (65% below the average Colorado ZIP), while per-capita income is $18,834. The poverty rate is 18.9%, with unemployment at 0.0%; those measures add context to the income figure. The ACS does not report a median home value for this ZIP, so housing cost context is limited to the available tenure and rent fields.
A solid share of residents have a four-year degree: 30.0% of adults hold a bachelor's degree or higher, the median age is 65.4, and the average commute is -. No nearby ZIP peer set is available for this delivery area, so the Colorado and national benchmarks above are the appropriate context for 81040.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 81040, Gardner, CO · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
536
Population
1340.0
Area (sq mi)
0
People / sq mi
Denver
Time Zone
standard
ZIP Type
Who lives in ZIP 81040?
65.4
Median Age
50.8%
Male
49.2%
Female
3.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$30,978
Median Household Income
-65% vs state ZIP avg
$18,834
Per Capita Income
18.9%
Poverty Rate
0.0%
Unemployment Rate
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
437housing units
437
Total Housing Units
216
Occupied Units
221
Vacant Units
1.62
Avg Household Size
Occupancy Type
1942
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 9 business establishments in ZIP 81040, employing approximately 45 people with a combined annual payroll of $2,089,000.
9
Businesses
45
Employees
$2.1M
Annual Payroll
1
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 3 | 33.3% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 81040, both outside CO so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.