Residential delivery area · Colorado
ZIP Code 81403: Montrose, CO
ZIP code 81403 uses the postal name Montrose, Colorado and lies mostly in Montrose County (67% of its land) with the rest in Ouray County (Census 2020 ZIP-county file). About 12,000 people live there (Census Bureau, ACS 2020-2024), the less populous of Montrose's 2 residential ZIP codes. Median household income is $80,893 (Census Bureau, ACS 2020-2024). By Census place, 0% of its land lies in Colona (a census-designated place), and under 1% in smaller places; more than 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Montrose · 2 residential ZIPs
- County
- Montrose County (67%); Ouray County (33%)
- Census places
- Colona census-designated place
- Micro area
- Montrose, CO
- House district
- CO-3 119th Congress
- State
- Colorado
- Time zone
- Mountain
- Land area
- 505.7 sq mi · 24 people per sq mi
- PO Box ZIPs
- 81402 also use the name Montrose
Where is ZIP code 81403?
81403 centers on 38.315°, -107.928° and covers 505.7 square miles of land plus 0.1 of water. It borders 7 ZIP codes: 81425, 81432, 81401, 81430, 81220, 81424, 81423.
The map draws ZIP code areas only. For the streets inside 81403, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 81403 compare with the rest of Montrose?
| Measure | 81403 | In Montrose | In Montrose County | In CO |
|---|---|---|---|---|
| People (ACS 2020-2024) | 12,138 | 2nd of 2 | 3rd of 12 | 164th of 527 |
| Median household income | $81k | 1st of 2 | 1st of 4 | 181st of 277 |
| Median home value | $515k | 1st of 2 | 1st of 5 | 150th of 311 |
Its median household income is higher than in 63% of U.S. residential ZIP codes, and it is denser than 29% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 81403?
The 2020 Census counted 11,987 people in 81403; the ACS, which samples households over 2020-2024, estimates 12,138. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 12,138
- 2020 Census count
- 11,987
- Households
- 5,088
- Median age
- 50.6
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 81403?
Of the 12,138 people the ACS estimates in 81403, 19.3% are under 18 and 29.0% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (69.5%), then Hispanic or Latino (23.4%).
- Under 1819.3%
- 18 to 6451.8%
- 65 and older29.0%
- White, not Hispanic69.5%
- Hispanic or Latino23.4%
- Other or two or more6.3%
- Black, not Hispanic0.6%
- Asian, not Hispanic0.2%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 81403 earn?
Median household income is $80,893 (ACS 2020-2024), the highest of the 4 ranked ZIP codes in Montrose County.
- Median household income
- $80,893±$11,671
- Income per person
- $41,675
- Below the poverty line
- 10.5%
- Unemployed (of the labor force)
- 4.3%
- Adults 25+ with a bachelor's degree
- 35.0%
- Adjusted gross income per tax return, 2022
- $85,8406,020 returns; wages 50% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 81403?
FHFA's house price index for 81403, built from repeat sales and appraisals of the same homes, rose 115% from 2015 to 2025 and rose 58% from 2020 to 2025, and moved +4.1% in 2025.
- Median home value (owners' estimate)
- $515,300
- Median gross rent
- $1,369
- Homes owned by their occupants
- 82.8%
- Housing units
- 5,460
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 81403?
230 business establishments had a location in this ZIP code in 2023, 84 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction88
- Professional, scientific, and technical services31
- Administrative and support and waste management and remediation services17
- Real estate and rental and leasing16
- Other services (except public administration)16
- Retail trade11
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 81403?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 81425 | Olathe | 5,005 | $74k | 14.3 mi |
| 81432 | Ridgway | 3,219 | $91k | 16.2 mi |
| 81401 | Montrose | 24,228 | $71k | 16.4 mi |
| 81430 | Placerville | 708 | $74k | 19.5 mi |
| 81220 | Cimarron | 251 | $250k+ | 24.5 mi |
| 81424 | Nucla | 1,079 | $40k | 31.2 mi |
| 81423 | Norwood | 1,176 | $62k | 34.3 mi |
| 81427 | Ouray | 1,218 | $84k | 26.4 mi (near) |
| 81415 | Crawford | 1,955 | $59k | 27.0 mi (near) |
| 81416 | Delta | 14,256 | $50k | 28.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.