HousingHandbookReference data

U.S. ZIP Code · CO81040

Huerfano County

Typical home value

$315,390[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-2.2%
5-year / yr
10-year / yr

Relative price

vs U.S.
+11.0%
vs metro
vs state
-37.2%
ZIP 81040 location in CO
Location of ZIP 81040 in CO

Price history

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

The typical home in 81040 is worth $315,390. Over the past year, values have fallen 2.2%.

#Rent & investment

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

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

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

Effective tax rate
[3]
Typical annual tax
[3]

#Climate risk

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

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

#Who lives here

Population
360[3]
Median household income
$30,978[3]

#Migration

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

Net migration
-2[5]
Moved in
253
Moved out
255

Schools

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

Public schools
1
Elementary
1
Middle
0
High
0
  • Gardner Valley School

    Elementary · Grades PK–8 · Huerfano School District Re-1

    86 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.

Gross yield
Net yield (after ~40% expenses)
Annual rent

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.

Monthly payment$1,595
Loan principal$252,312
Down payment$63,078
Total interest paid$321,810

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.

Own : rent ratio
Monthly cost to own$2,173
Monthly rent

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
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 81040?
The typical home in 81040 is worth $315,390, based on the Zillow Home Value Index.
Are home values rising in 81040?
Home values in 81040 are down 2.2% over the past year.
Who lives in 81040?
ZIP code 81040 has a population of 360 and a median household income of $30,978.

Compare ZIPs

Pit ZIP 81040 against any other ZIP — full side-by-side table.

Compare 81040

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