How much is a home worth in ZIP code 81004?

The typical home in 81004 is worth $196,637, based on the Zillow Home Value Index.

Are home values rising in 81004?

Home values in 81004 are down 2.0% over the past year, and up 2.7% a year over five years.

What is the typical rent in 81004?

A typical home in 81004 rents for about $1,235 a month, a gross rental yield of 7.5%.

What is the property tax rate in 81004?

The effective property tax rate in 81004 is 0.5% — roughly $979 a year on a typical home.

ZIP code 81004 has a population of 25,757 and a median household income of $51,789.

HousingHandbookReference data

…

U.S. ZIP Code · CO81004

Pueblo County · Pueblo, CO

Typical home value

$196,637^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -2.0%
5-year / yr: +2.7%
10-year / yr: +8.6%

Relative price

vs U.S.: -30.8%
vs metro: -29.2%
vs state: -60.8%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 81004 is worth $196,637 — 29.2% below the Pueblo, CO median. Over the past year, values have fallen 2.0%. Homes here rent for a typical $1,235 a month — a 7.5% gross rental yield. The effective property tax rate is 0.5%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $1,235^[2]
Gross yield: 7.5%^[2]
Cap rate: 4.5%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.5%^[3]
Typical annual tax: $979^[3]

#Climate risk

FEMA National Risk Index ratings for Pueblo County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Moderate^[4]
Riverine flood: Relatively Moderate
Coastal flood: Not Applicable
Wildfire: Relatively Moderate
Drought: Relatively Low
Heat wave: Relatively Low
Hurricane: Not Applicable
Tornado: Relatively Moderate
Earthquake: Relatively Low
Winter weather: Very High

#Who lives here

Population: 25,757^[3]
Median household income: $51,789^[3]

#Migration

Household moves in and out of Pueblo County over a year, from IRS tax-return data.

Net migration: +202^[5]
Moved in: 3,942
Moved out: 3,740

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 8
Elementary: 5
Middle: 1
High: 2

Central High School
High · Grades 9–12 · Pueblo School District No. 60 in the county of Pueblo and
1,053 students
Corwin International Magnet School
Middle · Grades 4–8 · Pueblo School District No. 60 in the county of Pueblo and
543 students
Academy of Las Animas Online School
High · Grades 6–12 · Las Animas School District No. Re-1
512 students
Pueblo Charter School for the Arts & Sciences
Elementary · Grades K–8 · Pueblo School District No. 60 in the county of Pueblo and
434 students
Columbian Elementary School
Elementary · Grades PK–5 · Pueblo School District No. 60 in the county of Pueblo and
393 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield7.5%

Net yield (after ~40% expenses)4.5%

Annual rent$14,820

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$994

Loan principal$157,309

Down payment$39,327

Total interest paid$200,639

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.00

Monthly cost to own$1,240

Monthly rent$1,235

Owning and renting are roughly even.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 18th percentile^[1]
Rental yield: 100th percentile^[2]
Property tax: 36th percentile^[3]

Rankings

Top-10 lists this ZIP code appears on.

2nd for highest rental yield in COView list →

Frequently asked

How much is a home worth in ZIP code 81004?: The typical home in 81004 is worth $196,637, based on the Zillow Home Value Index.
Are home values rising in 81004?: Home values in 81004 are down 2.0% over the past year, and up 2.7% a year over five years.
What is the typical rent in 81004?: A typical home in 81004 rents for about $1,235 a month, a gross rental yield of 7.5%.
What is the property tax rate in 81004?: The effective property tax rate in 81004 is 0.5% — roughly $979 a year on a typical home.
Who lives in 81004?: ZIP code 81004 has a population of 25,757 and a median household income of $51,789.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

81039 vs 81004 →
Fowler, CO
Typical home
$187,583
Gross yield
—
81003 vs 81004 →
Pueblo, CO
Typical home
$206,381
Gross yield
7.1%
81025
Boone, CO
Typical home
$221,121
Gross yield
—
81001
Pueblo, CO
Typical home
$221,830
Gross yield
6.4%
81022
Avondale CDP, CO
Typical home
$262,508
Gross yield
—
81005
Pueblo, CO
Typical home
$293,052
Gross yield
6.0%

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#Jump to section

U.S. ZIP Code · CO81004

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