Residential delivery area · Colorado
ZIP Code 81432: Ridgway, CO
ZIP code 81432 uses the postal name Ridgway, Colorado and lies entirely in Ouray County (Census 2020 ZIP-county file). About 3,200 people live there (Census Bureau, ACS 2020-2024). Median household income is $90,882 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Loghill Village (2%), Portland (1%) and Ridgway (under 1%); 96% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Ridgway · its only residential ZIP
- County
- Ouray County
- Census places
- Loghill Village (2%) census-designated place; Portland (1%) census-designated place; Ridgway (under 1%)
- House district
- CO-3 119th Congress
- State
- Colorado
- Time zone
- Mountain
- Land area
- 300.4 sq mi · 11 people per sq mi
Where is ZIP code 81432?
81432 centers on 38.130°, -107.745° and covers 300.4 square miles of land plus 1.5 of water. It borders 6 ZIP codes: 81427, 81403, 81430, 81220, 81435, 81235.
The map draws ZIP code areas only. For the streets inside 81432, 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 81432 compare with the rest of Ouray County?
| Measure | 81432 | In Ouray County | In CO |
|---|---|---|---|
| People (ACS 2020-2024) | 3,219 | 2nd of 3 | 254th of 527 |
| Median household income | $91k | 1st of 3 | 137th of 277 |
| Median home value | $836k | 1st of 3 | 28th of 311 |
Its median household income is higher than in 74% of U.S. residential ZIP codes, and it is denser than 18% 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 81432?
The 2020 Census counted 3,061 people in 81432; the ACS, which samples households over 2020-2024, estimates 3,219. Between the 2010 and 2020 censuses its population grew 14.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 3,219
- 2020 Census count
- 3,061+14.1% since 2010 (2,682)
- Households
- 1,656
- Median age
- 55.8
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 81432?
Of the 3,219 people the ACS estimates in 81432, 12.9% are under 18 and 35.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.3%).
- Under 1812.9%
- 18 to 6451.7%
- 65 and older35.4%
- White, not Hispanic89.3%
- Hispanic or Latino5.3%
- Other or two or more4.8%
- Black, not Hispanic0.3%
- 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 81432 earn?
Median household income is $90,882 (ACS 2020-2024), the highest of the 3 ranked ZIP codes in Ouray County. It is not measurably different from 2015-2019 ($78,621 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $90,882±$12,300
- Income per person
- $57,489
- Below the poverty line
- 4.8%
- Unemployed (of the labor force)
- 4.0%
- Adults 25+ with a bachelor's degree
- 58.7%
- Adjusted gross income per tax return, 2022
- $123,6721,840 returns; wages 41% 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 81432?
FHFA's house price index for 81432, built from repeat sales and appraisals of the same homes, rose 163% from 2015 to 2025 and rose 69% from 2020 to 2025, and moved −5.2% in 2025.
- Median home value (owners' estimate)
- $836,200
- Median gross rent
- $1,744
- Homes owned by their occupants
- 85.2%
- Housing units
- 2,103
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 81432?
192 business establishments had a location in this ZIP code in 2023, 14 more than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services33
- Construction31
- Retail trade22
- Accommodation and food services17
- Real estate and rental and leasing14
- Health care and social assistance14
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 81432?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 81427 | Ouray | 1,218 | $84k | 10.3 mi |
| 81403 | Montrose | 12,138 | $81k | 16.2 mi |
| 81430 | Placerville | 708 | $74k | 18.3 mi |
| 81220 | Cimarron | 251 | $250k+ | 18.6 mi |
| 81435 | Telluride | 5,876 | $83k | 20.5 mi |
| 81235 | Lake City | 912 | $79k | 21.7 mi |
| 81426 | Ophir | 120 | $135k | 18.7 mi (near) |
| 81401 | Montrose | 24,228 | $71k | 26.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.