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
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 81401 (Montrose, CO) rose +1.9% from 2023 to 2024. The all-transactions index moved from 288.1 in 2023 to 293.6 in 2024 (2000 = 100).
ZIP code 81401 is a densely settled ZIP (a standard USPS delivery area) in Montrose, Montrose County, Colorado, with 22,437 residents across 604.8 square miles, a density of 37 people per square mile, in the Denver time zone.
ZIP 81401 lands in the middle-income range, with a median household income of $71,286 (20% below the average Colorado ZIP), while per-capita income is $38,661. The poverty rate is 11.5%, with unemployment at 4.4%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $374,300 (23% below the average Colorado ZIP), and median rent is $1,174; owner occupancy is 71.5%.
Educational attainment sits below the national norm: 29.5% of adults hold a bachelor's degree or higher, the median age is 46.3, and the average commute is 21 minutes. No nearby ZIP peer set is available for this delivery area, so the Colorado and national benchmarks above are the appropriate context for 81401.
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 →
Top industries in ZIP 81401
Top 5 sectors by establishment count in Montrose, CO
Which industries have the most business establishments in ZIP 81401.
- Construction
Construction
153 establishments
- Health care and social assistance
Health care and social assistance
152 establishments
- Retail trade
Retail trade
131 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
104 establishments
- Accommodation and food services
Accommodation and food services
98 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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
Who lives in ZIP 81401?
46.3
Median Age
49.1%
Male
50.9%
Female
5.1%
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?
$71,286
Median Household Income
-20% vs state ZIP avg
$38,661
Per Capita Income
11.5%
Poverty Rate
4.4%
Unemployment Rate
20.7 min
Mean Commute Time
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
11,092housing units
11,092
Total Housing Units
10,207
Occupied Units
885
Vacant Units
2.33
Avg Household Size
Occupancy Type
$374,300
Median Home Value
-23% vs state ZIP avg
$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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 81401, both outside CO so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (22,437 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.