PlainZIP

Paonia, CO · standard

ZIP Code 81428

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

3,701
7/sq mi
$75,799
Median income
$432,700
Median home value
41.0%
Bachelor's or higher

The verdict

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

Top 44%
household income, US ZIPs
Top 18%
home value, US ZIPs
7
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 81428 against every reporting US ZIP.

ZIP code 81428 is classified by USPS as a standard delivery area and covers roughly 569.4 square miles in Paonia, Delta County, Colorado. The area is home to 3,701 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 81428 against Colorado and the nation.

On the economic side, the median household income for ZIP 81428 sits at $75,799 (15% below the Colorado average), while per-capita income is $43,606. The poverty rate stands at 13.5% and the unemployment rate at 3.5%. On housing, the median home value is $432,700 (11% below the state average) with median rent at $988 per month, and 80.1% of occupied units are owner-occupied, a direct signal of whether 81428 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 41.0% of adults hold a bachelor's degree or higher, the median age is 50.3, and the average commute is —. Use the benchmarks above to see where 81428 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 81428

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 81428.

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 81428, Paonia, 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

3,701

Population

569.4

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 81428?

50.3

Median Age

50.8%

Male

49.2%

Female

2.1%

Foreign-Born

White 89.5%
African American 2.3%
Asian 0.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.9%
Hispanic or Latino 7.2%

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?

$75,799

Median Household Income

-15% vs state

$43,606

Per Capita Income

13.5%

Poverty Rate

3.5%

Unemployment Rate

How ZIP 81428 ranks nationally

Household income vs. every US ZIP code

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

$75,799 Top 44% higher than 56% 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 63.5%
Bachelor's Degree or Higher 41.0%

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

What does housing look like?

2,157

Total Housing Units

1,743

Occupied Units

414

Vacant Units

2.14

Avg Household Size

Occupancy Type

Owner 80.1%
Renter 19.9%

$432,700

Median Home Value

-11% vs state

$988

Median Rent

1978

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

+3.7%

YoY Change (2024)

314

HPI Index (2000 = 100)

+214%

Total Change Since 2000

Home values in ZIP 81428 have increased 3.7% over the past year (2024). Since 2000, this ZIP has seen +214% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.7% 197
2021 +11.3% 219
2022 +18.6% 259
2023 +16.8% 303
2024 +3.7% 314

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 127 business establishments in ZIP 81428, employing approximately 550 people with a combined annual payroll of $22,293,000.

127

Businesses

550

Employees

$22.3M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 15 11.8%
Retail trade 14 11.0%
Construction 13 10.2%
Manufacturing 11 8.7%
Accommodation and food services 11 8.7%
Other services (except public administration) 11 8.7%
Health care and social assistance 9 7.1%
Information 8 6.3%
Arts, entertainment, and recreation 8 6.3%
Administrative and support and waste management and remediation services 6 4.7%
Wholesale trade 5 3.9%
Real estate and rental and leasing 5 3.9%
Finance and insurance 4 3.1%
Educational services 3 2.4%

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

More ZIP Codes in Delta County

81416 standard
Delta, CO
Pop: 13,874
81413 standard
Cedaredge, CO
Pop: 5,243
81419 standard
Hotchkiss, CO
Pop: 3,883
81418 standard
Eckert, CO
Pop: 1,714
81410 standard
Austin, CO
Pop: 1,655
81415 standard
Crawford, CO
Pop: 1,612

Related Areas

Delta County Paonia, CO Colorado

Frequently Asked Questions

What county is ZIP code 81428 in? ▼
ZIP code 81428 (Paonia) is located in Delta County, Colorado. Delta County contains multiple ZIP codes, see the full list at /counties/delta-co.
What is the population of ZIP code 81428? ▼
ZIP code 81428 in Paonia, CO has a population of 3,701 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 81428? ▼
The median household income in ZIP 81428 is $75,799, which is 1% below the national average of $76,288.
What is the average home value in ZIP 81428? ▼
The median home value in ZIP 81428 is $432,700, which is 56% above the national average of $278,155.
What is the demographic makeup of ZIP 81428? ▼
The largest racial group in ZIP 81428 is White at 89.5%. Hispanic or Latino residents make up 7.2% of the population.
How many businesses are in ZIP code 81428? ▼
ZIP code 81428 has 127 business establishments employing approximately 550 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 81428? ▼
The top industries by establishment count in ZIP 81428 are: Professional, scientific, and technical services (15), Retail trade (14), Construction (13). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 81428? ▼
According to the FHFA House Price Index, home values in ZIP 81428 increased by 3.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 214%. 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 81428? ▼
In ZIP code 81428, 63.5% of residents aged 25+ have a high school diploma or higher, and 41.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 81428? ▼
In ZIP code 81428, approximately 80.1% of occupied housing units are owner-occupied and 19.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 81428? ▼
The poverty rate in ZIP code 81428 is 13.5% 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 Paonia, 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.