Colorado

San Miguel County

ZIP 81431

8,026 residents47 permits TTM$80,117 median HHI5 ZIP codesUpdated April 16, 2026
Investor first look

Median home value

$613,100

ACS 5-Year

Cap rate proxy

2.3%

FMR × 0.65 ÷ Home Value

Rent-to-income

17.6%

HUD FMR ÷ ACS HHI

Net migration

IRS SOI

Permits (TTM)

47

Census BPS

Climate risk

19.1

FEMA NRI (0–100)

ZIP 81431

Median home value

$613,100

Gross yield

3.2%

Cap rate

2.3%

Rent gap

28.7%

Affordability

P/I: 4.6R/I:

Section 8 detail

SAFMR: $1,645Rent: $1,173Gap: 40.2%
ZIP code breakdown5 ZIP codes

Numbers repeat across most ZIPs in this county

ZIP-level home-value data isn't published for rural areas. Federal sources (Census ACS, HUD non-metro FMR) are available at the county level only, so home-value, cap-rate, and rent-gap numbers use the county estimate for every ZIP in the county.

ZIPMedian home valueRent (FMR 2BR)Gross yieldCap rateRent gap
81423$613,100county est.$1,6453.2%2.3%28.7%
81426$613,100county est.$1,6453.2%2.3%28.7%
81430$613,100county est.$1,6453.2%2.3%28.7%
81431$613,100county est.$1,6453.2%2.3%28.7%
81435$2,181,697$1,6450.9%0.6%28.7%

Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.

Demographics

Owner-occupied

65.2%

Census ACS

Vacancy rate

39.5%

Census ACS

Bachelor's degree +

65.2%

Census ACS

Rent burdened

40.0%

Census ACS (>30% income)

Median age

42.7

Census ACS

Data sources
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026