PlainZIP

Montrose, CO · standard

ZIP Code 81401

Montrose County, Colorado - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

22,437
37/sq mi
$71,286
Median income
$374,300
Median home value
29.5%
Bachelor's or higher

The verdict

Montrose pairs a below-median household income with upper-quartile home values, in a rural, homeowner-dominated area.

49th pct
household income, US ZIPs
Top 23%
home value, US ZIPs
37
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 81401 against every reporting US ZIP.

ZIP code 81401 is classified by USPS as a standard delivery area and covers roughly 604.8 square miles in Montrose, Montrose County, Colorado. The area is home to 22,437 residents, producing a population density of 37 people per square mile, and falls within the Denver time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 81401 against Colorado and the nation.

On the economic side, the median household income for ZIP 81401 sits at $71,286 (20% below the Colorado average), while per-capita income is $38,661. The poverty rate stands at 11.5% and the unemployment rate at 4.4%. On housing, the median home value is $374,300 (23% below the state average) with median rent at $1,174 per month, and 71.5% of occupied units are owner-occupied, a direct signal of whether 81401 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 29.5% of adults hold a bachelor's degree or higher, the median age is 46.3, and the average commute is 21 minutes. Use the benchmarks above to see where 81401 sits relative to Colorado and the national baseline rather than viewing the numbers in isolation. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 81401

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 81401.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 81401, Montrose, CO · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

22,437

Population

604.8

Area (sq mi)

37

People / sq mi

Denver

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 81401?

46.3

Median Age

49.1%

Male

50.9%

Female

5.1%

Foreign-Born

White 78.5%
African American 0.6%
Asian 0.7%
American Indian or Alaska Native 1.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.9%
Hispanic or Latino 20.5%

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?

$71,286

Median Household Income

-20% vs state

$38,661

Per Capita Income

11.5%

Poverty Rate

4.4%

Unemployment Rate

20.7 min

Mean Commute Time

How ZIP 81401 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$71,286 49th percentile higher than 49% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 60.2%
Bachelor's Degree or Higher 29.5%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

11,092

Total Housing Units

10,207

Occupied Units

885

Vacant Units

2.33

Avg Household Size

Occupancy Type

Owner 71.5%
Renter 28.5%

$374,300

Median Home Value

-23% vs state

$1,174

Median Rent

1992

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+1.9%

YoY Change (2024)

294

HPI Index (2000 = 100)

+194%

Total Change Since 2000

Home values in ZIP 81401 have increased 1.9% over the past year (2024). Since 2000, this ZIP has seen +194% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.7% 199
2021 +12.9% 225
2022 +21.4% 273
2023 +5.4% 288
2024 +1.9% 294

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,079 business establishments in ZIP 81401, employing approximately 12,451 people with a combined annual payroll of $610,486,000.

1,079

Businesses

12,451

Employees

$610.5M

Annual Payroll

18

Industry Sectors

Industry Establishments % of Total
Construction 153 14.2%
Health care and social assistance 152 14.1%
Retail trade 131 12.1%
Professional, scientific, and technical services 104 9.6%
Accommodation and food services 98 9.1%
Other services (except public administration) 98 9.1%
Real estate and rental and leasing 59 5.5%
Finance and insurance 51 4.7%
Administrative and support and waste management and remediation services 50 4.6%
Manufacturing 49 4.5%
Transportation and warehousing 36 3.3%
Wholesale trade 32 3.0%
Information 19 1.8%
Arts, entertainment, and recreation 18 1.7%
Educational services 12 1.1%
Utilities 8 0.7%
Management of companies and enterprises 5 0.5%
Agriculture, forestry, fishing and hunting 3 0.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

More ZIP Codes in Montrose County

81403 standard
Montrose, CO
Pop: 10,534
81425 standard
Olathe, CO
Pop: 5,424
81424 standard
Nucla, CO
Pop: 1,239
81422 standard
Naturita, CO
Pop: 692
81431 standard
Redvale, CO
Pop: 460
81429 standard
Paradox, CO
Pop: 181

Related Areas

Montrose County Montrose, CO Colorado

Frequently Asked Questions

What county is ZIP code 81401 in? ▼
ZIP code 81401 (Montrose) is located in Montrose County, Colorado. Montrose County contains multiple ZIP codes, see the full list at /counties/montrose-co.
What is the population of ZIP code 81401? ▼
ZIP code 81401 in Montrose, CO has a population of 22,437 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 81401? ▼
The median household income in ZIP 81401 is $71,286, which is 7% below the national average of $76,288.
What is the average home value in ZIP 81401? ▼
The median home value in ZIP 81401 is $374,300, which is 35% above the national average of $278,155.
What is the demographic makeup of ZIP 81401? ▼
The largest racial group in ZIP 81401 is White at 78.5%. Hispanic or Latino residents make up 20.5% of the population.
How many businesses are in ZIP code 81401? ▼
ZIP code 81401 has 1,079 business establishments employing approximately 12,451 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 81401? ▼
The top industries by establishment count in ZIP 81401 are: Construction (153), Health care and social assistance (152), Retail trade (131). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 81401? ▼
According to the FHFA House Price Index, home values in ZIP 81401 increased by 1.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 194%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 81401? ▼
In ZIP code 81401, 60.2% of residents aged 25+ have a high school diploma or higher, and 29.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 81401? ▼
The mean commute time for workers in ZIP code 81401 is 20.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 81401? ▼
In ZIP code 81401, approximately 71.5% of occupied housing units are owner-occupied and 28.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 81401? ▼
The poverty rate in ZIP code 81401 is 11.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Montrose, CO

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.