PlainZIP

Montrose, CO · standard

ZIP Code 81403

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

10,534
7/sq mi
$80,893
Median income
$515,300
Median home value
35.0%
Bachelor's or higher

The verdict

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

Top 37%
household income, US ZIPs
Top 12%
home value, US ZIPs
7
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 81403 against every reporting US ZIP.

ZIP code 81403 is classified by USPS as a standard delivery area and covers roughly 1423.5 square miles in Montrose, Montrose County, Colorado. The area is home to 10,534 residents, producing a population density of 7 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 81403 against Colorado and the nation.

On the economic side, the median household income for ZIP 81403 sits at $80,893 (9% below the Colorado average), while per-capita income is $41,675. The poverty rate stands at 10.5% and the unemployment rate at 4.3%. On housing, the median home value is $515,300 (6% above the state average) with median rent at $1,369 per month, and 82.8% of occupied units are owner-occupied, a direct signal of whether 81403 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 35.0% of adults hold a bachelor's degree or higher, the median age is 50.6, and the average commute is 21 minutes. Use the benchmarks above to see where 81403 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 81403

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 81403.

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 81403, 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

10,534

Population

1423.5

Area (sq mi)

7

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 81403?

50.6

Median Age

48.8%

Male

51.2%

Female

6.7%

Foreign-Born

White 73.9%
African American 0.6%
Asian 0.2%
American Indian or Alaska Native 1.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 18.8%
Hispanic or Latino 23.4%

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?

$80,893

Median Household Income

-9% vs state

$41,675

Per Capita Income

10.5%

Poverty Rate

4.3%

Unemployment Rate

21.0 min

Mean Commute Time

How ZIP 81403 ranks nationally

Household income vs. every US ZIP code

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

$80,893 Top 37% higher than 63% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 64.4%
Bachelor's Degree or Higher 35.0%

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

What does housing look like?

5,460

Total Housing Units

5,088

Occupied Units

372

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 82.8%
Renter 17.2%

$515,300

Median Home Value

+6% vs state

$1,369

Median Rent

1997

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

-1.5%

YoY Change (2024)

294

HPI Index (2000 = 100)

+194%

Total Change Since 2000

Home values in ZIP 81403 have decreased 1.5% over the past year (2024). Since 2000, this ZIP has seen +194% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.5% 195
2021 +11.3% 217
2022 +21.4% 263
2023 +13.3% 299
2024 -1.5% 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 230 business establishments in ZIP 81403, employing approximately 968 people with a combined annual payroll of $56,988,000.

230

Businesses

968

Employees

$57.0M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 88 38.3%
Professional, scientific, and technical services 31 13.5%
Administrative and support and waste management and remediation services 17 7.4%
Real estate and rental and leasing 16 7.0%
Other services (except public administration) 16 7.0%
Retail trade 11 4.8%
Transportation and warehousing 10 4.3%
Health care and social assistance 10 4.3%
Wholesale trade 8 3.5%
Accommodation and food services 6 2.6%
Agriculture, forestry, fishing and hunting 4 1.7%
Manufacturing 4 1.7%
Arts, entertainment, and recreation 4 1.7%

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

81401 standard
Montrose, CO
Pop: 22,437
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 81403 in? ▼
ZIP code 81403 (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 81403? ▼
ZIP code 81403 in Montrose, CO has a population of 10,534 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 81403? ▼
The median household income in ZIP 81403 is $80,893, which is 6% above the national average of $76,288.
What is the average home value in ZIP 81403? ▼
The median home value in ZIP 81403 is $515,300, which is 85% above the national average of $278,155.
What is the demographic makeup of ZIP 81403? ▼
The largest racial group in ZIP 81403 is White at 73.9%. Hispanic or Latino residents make up 23.4% of the population.
How many businesses are in ZIP code 81403? ▼
ZIP code 81403 has 230 business establishments employing approximately 968 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 81403? ▼
The top industries by establishment count in ZIP 81403 are: Construction (88), Professional, scientific, and technical services (31), Administrative and support and waste management and remediation services (17). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 81403? ▼
According to the FHFA House Price Index, home values in ZIP 81403 decreased by 1.5% 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 81403? ▼
In ZIP code 81403, 64.4% of residents aged 25+ have a high school diploma or higher, and 35.0% 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 81403? ▼
The mean commute time for workers in ZIP code 81403 is 21.0 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 81403? ▼
In ZIP code 81403, approximately 82.8% of occupied housing units are owner-occupied and 17.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 81403? ▼
The poverty rate in ZIP code 81403 is 10.5% 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.