HousingHandbookReference data

U.S. ZIP Code · CO81230

Gunnison County

Typical home value

$609,448[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+4.5%
5-year / yr
+6.9%
10-year / yr
+8.7%

Relative price

vs U.S.
+114.5%
vs metro
vs state
+21.4%
ZIP 81230 location in CO
Location of ZIP 81230 in CO

Price history

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

The typical home in 81230 is worth $609,448. Over the past year, values have risen 4.5%. The effective property tax rate is 0.3%.

#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
0.3%[3]
Typical annual tax
$1,774[3]

#Climate risk

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

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

#Who lives here

Population
10,971[3]
Median household income
$77,942[3]

#Migration

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

Net migration
+19[5]
Moved in
680
Moved out
661

Schools

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

Public schools
4
Elementary
1
Middle
1
High
1
  • Gunnison Elementary School

    Elementary · Grades PK–5 · Gunnison Watershed School District Re1J

    529 students

  • Gunnison High School

    High · Grades 9–12 · Gunnison Watershed School District Re1J

    398 students

  • Gunnison Middle School

    Middle · Grades 6–8 · Gunnison Watershed School District Re1J

    304 students

  • Lake Preschool

    Prekindergarten · Grades PK · Gunnison Watershed School District Re1J

    76 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$3,082
Loan principal$487,558
Down payment$121,890
Total interest paid$621,854

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$3,737
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 81230?
The typical home in 81230 is worth $609,448, based on the Zillow Home Value Index.
Are home values rising in 81230?
Home values in 81230 are up 4.5% over the past year, and up 6.9% a year over five years.
What is the property tax rate in 81230?
The effective property tax rate in 81230 is 0.3% — roughly $1,774 a year on a typical home.
Who lives in 81230?
ZIP code 81230 has a population of 10,971 and a median household income of $77,942.

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Pit ZIP 81230 against any other ZIP — full side-by-side table.

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