Ridgway, CO · standard
ZIP Code 81432
Ouray County, Colorado - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,682
- 4/sq mi
- $90,882
- Median income
- $836,200
- Median home value
- 58.7%
- Bachelor's or higher
National ZIP placement
Ridgway pairs an above-median household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 26%
- household income, US ZIPs
- Top 4%
- home value, US ZIPs
- 4
- people per sq mi
- 85%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 81432 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 81432 (Ridgway, CO) rose +12.7% from 2023 to 2024. The all-transactions index moved from 328.8 in 2023 to 370.4 in 2024 (2000 = 100).
ZIP code 81432 covers 705.8 square miles in Ridgway, Ouray County, Colorado (a standard USPS delivery area), with a modest 2,682 residents on file, a density of 4 people per square mile, in the Denver time zone.
ZIP 81432 lands in the middle-income range, with a median household income of $90,882 (2% above the average Colorado ZIP), while per-capita income is $57,489. The poverty rate is 4.8%, with unemployment at 4.0%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $836,200 (73% above the average Colorado ZIP), while 85.2% of occupied homes are owner-occupied and median rent is $1,744.
This is a highly-educated ZIP: 58.7% of adults hold a bachelor's degree or higher, the median age is 55.8, and the average commute is 32 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 1 more in Ouray County, so 81432 can be compared with both its immediate and county-level context.
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 81432
Top 5 sectors by establishment count in Ridgway, CO
Which industries have the most business establishments in ZIP 81432.
- Professional, scientific, and technical services
Professional, scientific, and technical services
33 establishments
- Construction
Construction
31 establishments
- Retail trade
Retail trade
22 establishments
- Accommodation and food services
Accommodation and food services
17 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
14 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 81432, Ridgway, 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
2,682
Population
705.8
Area (sq mi)
4
People / sq mi
Denver
Time Zone
standard
ZIP Type
Who lives in ZIP 81432?
55.8
Median Age
50.1%
Male
49.9%
Female
3.8%
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?
$90,882
Median Household Income
+2% vs state ZIP avg
$57,489
Per Capita Income
4.8%
Poverty Rate
4.0%
Unemployment Rate
32.2 min
Mean Commute Time
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
2,103housing units
2,103
Total Housing Units
1,656
Occupied Units
447
Vacant Units
1.94
Avg Household Size
Occupancy Type
$836,200
Median Home Value
+73% vs state ZIP avg
$1,744
Median Rent
1999
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
+12.7%
YoY Change (2024)
370
HPI Index (2000 = 100)
+270%
Total Change Since 2000
Home values in ZIP 81432 have increased 12.7% over the past year (2024). Since 2000, this ZIP has seen +270% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.1% | 205 |
| 2021 | +12.8% | 232 |
| 2022 | +23.2% | 285 |
| 2023 | +15.2% | 329 |
| 2024 | +12.7% | 370 |
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 192 business establishments in ZIP 81432, employing approximately 895 people with a combined annual payroll of $41,539,000.
192
Businesses
895
Employees
$41.5M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 33 | 17.2% |
| Construction | 31 | 16.1% |
| Retail trade | 22 | 11.5% |
| Accommodation and food services | 17 | 8.8% |
| Real estate and rental and leasing | 14 | 7.3% |
| Health care and social assistance | 14 | 7.3% |
| Other services (except public administration) | 14 | 7.3% |
| Administrative and support and waste management and remediation services | 13 | 6.8% |
| Arts, entertainment, and recreation | 9 | 4.7% |
| Finance and insurance | 7 | 3.6% |
| Manufacturing | 6 | 3.1% |
| Transportation and warehousing | 3 | 1.6% |
| Information | 3 | 1.6% |
| Educational services | 3 | 1.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 81432 vs 81427 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 81427 | Ouray, CO | 1,124 | 10.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 81432, 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 (2,682 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.