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 Low-density area
- $75,799
- Median income Near-median income area
- $432,700
- Median home value Above-median home value
- 41.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 81428 (Paonia, CO) rose +3.7% from 2023 to 2024. The all-transactions index moved from 303.0 in 2023 to 314.1 in 2024 (2000 = 100).
ZIP code 81428 covers 569.4 square miles in Paonia, Delta County, Colorado (a standard USPS delivery area), with a modest 3,701 residents on file, a density of 7 people per square mile, in the Denver time zone.
ZIP 81428 lands in the middle-income range, with a median household income of $75,799 (15% below the average Colorado ZIP), while per-capita income is $43,606. The poverty rate is 13.5%, with unemployment at 3.5%; those measures add context to the income figure. Median home value is $432,700 (11% below the average Colorado ZIP) and median rent is $988; 80.1% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 41.0% of adults hold a bachelor's degree or higher, the median age is 50.3, and the average commute is -. No nearby ZIP peer set is available for this delivery area, so the Colorado and national benchmarks above are the appropriate context for 81428.
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 81428
Top 5 sectors by establishment count in Paonia, CO
Which industries have the most business establishments in ZIP 81428.
- Professional, scientific, and technical services
Professional, scientific, and technical services
15 establishments
- Retail trade
Retail trade
14 establishments
- Construction
Construction
13 establishments
- Manufacturing
Manufacturing
11 establishments
- Accommodation and food services
Accommodation and food services
11 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 81428, Paonia, 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
3,701
Population
569.4
Area (sq mi)
7
People / sq mi
Denver
Time Zone
standard
ZIP Type
Who lives in ZIP 81428?
50.3
Median Age
50.8%
Male
49.2%
Female
2.1%
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?
$75,799
Median Household Income
-15% vs state ZIP avg
$43,606
Per Capita Income
13.5%
Poverty Rate
3.5%
Unemployment Rate
How ZIP 81428 ranks among Colorado ZIPs
Paonia, CO household income vs. every Colorado ZIP code
Median household income among 469 reporting Colorado ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$75,799 40th percentile higher than 40% of 469 Colorado ZIPs
Each bar is a $20K-wide band; taller bars hold more Colorado 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,157housing units
2,157
Total Housing Units
1,743
Occupied Units
414
Vacant Units
2.14
Avg Household Size
Occupancy Type
$432,700
Median Home Value
-11% vs state ZIP avg
$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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 81428, 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 (3,701 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Delta County
Related Areas
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.
Related
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What to do with ZIP 81428's numbers, next.
- See how ZIP 81428 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.