81524 ZIP Code — Loma, CO

Mesa County, Colorado

ZIP code 81524 is located in Loma, Colorado, within Mesa County. It covers approximately 138.00 square miles and serves a population of 2,670 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 970.

About ZIP code 81524

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $631,700. Owner-occupancy is high at 88%, well above the national average.

Median household income is $129,914. 32% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 20 minutes is near the national average.

Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.

16% of residents lack health insurance, above the national average.

Overall, ZIP code 81524 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,670

population

138.00

sq mi land

Standard

ZIP type

Mountain (MT)

timezone

81524 ZIP code map

Cities in ZIP code 81524

Below are the cities the US Postal Service accepts for ZIP code 81524. Using any city not on this list may result in mail delivery delays.

City	Status
Loma	Preferred

Nearby ZIP codes

81525 Mack (7 mi) 81521 Fruita (7.8 mi) 81505 Grand Junction (12.2 mi) 81506 Grand Junction (16.3 mi) 81507 Grand Junction (16.6 mi) 81630 De Beque (17.6 mi) 81501 Grand Junction (18.7 mi) 81503 Grand Junction (18.8 mi)

Demographics updated 06/2026

Population
Total population	2,670
Population density	19 / sq mi
State FIPS	08
County FIPS	077

Geography
Land area	138.00 sq mi
Water area	0.70 sq mi
Latitude	39.2623
Longitude	-108.7982
Timezone	Mountain (MT)
Area code	970

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.1%	44.7%	32.5%
$50k – $100k	28.1%	32.7%	31.0%
$100k – $200k	37.1%	18.9%	26.9%
Over $200k	8.6%	3.7%	9.6%

Demographics & statistics

2,670

Population

People per sq mi

36.0

Median age

$129,914

Median household income

$42,135

Per capita income

$631,700

Median home value

Median monthly rent

87.9%

Home ownership

0.6%

Poverty rate

7.0%

Unemployment

879

Housing units

35.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

106

5–9

125

165

10–14

195

113

15–19

135

20–24

116

25–34

138

167

35–44

198

112

45–54

132

152

55–59

181

60–64

128

65–74

152

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	802	30.0%
18 and over	1,868	70.0%
65 and over	397	14.9%
Median age	36.0 years

Race & ethnicity

White 77.5%

Hispanic or Latino 11.1%

Two or more races 7.2%

Other race 4.2%

Group	Count	%
White	2,328	77.5%
Hispanic or Latino	333	11.1%
Two or more races	215	7.2%
Other race	127	4.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.1%	44.7%	32.5%
$50k – $100k	28.1%	32.7%	31.0%
$100k – $200k	37.1%	18.9%	26.9%
Over $200k	8.6%	3.7%	9.6%

Under $10k 1.6%

$15k–$25k 1.7%

$25k–$35k 5.5%

$35k–$50k 1.7%

$50k–$75k 8.2%

$75k–$100k 18.0%

$100k–$150k 40.6%

$150k–$200k 13.7%

$200k+ 9.0%

Range	% of households
Under $10k	1.6%
$15k–$25k	1.7%
$25k–$35k	5.5%
$35k–$50k	1.7%
$50k–$75k	8.2%
$75k–$100k	18.0%
$100k–$150k	40.6%
$150k–$200k	13.7%
$200k+	9.0%
Median income	$129,914

Housing

Home values

$100k–$150k 0.7%

$200k–$300k 18.7%

$300k–$500k 13.9%

$500k–$1M 56.1%

$1M+ 10.7%

Housing overview

Metric	Value
Median home value	$631,700
Median rent / month	$0
Owner occupied	87.9%
Renter occupied	12.1%
Vacant	11.6%
Single-family detached	87.2%
Large apartment buildings	0.0%
Mobile homes	4.9%
Median rooms	6.4
Avg household size (owned)	2.52

Year built

Era	%
2020 or later	5.0%
2010–2019	14.3%
2000–2009	38.4%
1990–1999	13.7%
1980–1989	14.0%
1970–1979	3.4%
1960–1969	0.0%
1950–1959	4.7%
1940–1949	1.5%
1939 or earlier	5.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	4.6%
2 bedrooms	17.5%
3 bedrooms	50.8%
4 bedrooms	27.1%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	17.7%
2 vehicles	43.0%
3 or more	39.3%

Heating fuel

Fuel type	%
Utility gas	45.3%
Electricity	11.3%
Propane / LP gas	40.9%
Wood	2.5%

Households & families

Household type	Count	%
Married-couple family	478	54.9%
Cohabiting couple	0	0.0%
Male householder, no spouse	174	20.0%
Female householder, no spouse	218	25.1%
Households with children under 18	227	26.1%
Households with seniors (65+)	232	26.7%
Average household size	3.07

Marital status

Status	Male	Female
Never married	39.4%	23.0%
Married	47.1%	49.0%
Separated	0.0%	0.0%
Widowed	1.8%	0.0%
Divorced	11.7%	27.9%

Education

Less than 9th grade 0.0%

Some HS, no diploma 4.6%

HS graduate 36.5%

Some college, no degree 16.8%

Associate's degree 6.8%

Bachelor's degree 28.5%

Graduate / professional 6.7%

Metric	%
HS diploma or higher	95.4%
Bachelor's or higher	35.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	521	63.9%
High school	242	29.7%
College / grad school	52	6.4%

Employment

Industry of employment

Arts, food & hospitality 19.5%

Retail trade 19.2%

Education & healthcare 17.3%

Professional & management 10.2%

Agriculture & mining 9.8%

Construction 7.9%

Manufacturing 5.2%

Other services 4.2%

Transportation & utilities 3.5%

Public administration 1.6%

Wholesale trade 1.5%

Occupation

Category	%
Management, business & arts	47.6%
Service	14.6%
Sales & office	14.9%
Natural resources & construction	3.1%
Production & transportation	19.8%

Employment type

Type	%
Private sector	81.4%
Government	3.6%
Self-employed	15.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.3%
Carpool	0.9%
Public transit	0.0%
Walk	0.0%
Work from home	7.2%
Other means	9.7%
Avg commute (minutes)	19.8

Poverty

All people 0.6%

Under 18 years 0.0%

18 and over 0.7%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	31.7%
Retirement income	24.9%
Supplemental Security	2.8%
Cash public assistance	0.0%
Food stamps / SNAP	5.3%

Health indicators

Condition	%
Obesity	28.0%
High blood pressure	26.5%
High cholesterol	30.1%
Diabetes	8.0%
Heart disease	5.4%
Stroke	2.6%
Asthma	10.0%
Arthritis	23.7%
Kidney disease	2.6%
Pulmonary disease	6.2%
Cancer	6.6%

Behavior / access	%
Smoking	16.4%
Binge drinking	19.0%
No physical activity	17.2%
Less than 7 hrs sleep	30.1%
Depression	20.8%
Fair or poor health	11.5%
Poor mental health	13.8%
Poor physical health	9.7%
No health insurance	12.2%
Visited doctor (checkup)	66.3%
Visited dentist	65.8%
Cholesterol screening	90.8%
Teeth loss	11.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	153	8.2%

Disability	%
Any disability	7.7%
Under 18	0.0%
18–64 years	6.1%
65 and over	29.5%

Health insurance coverage

Type	%
Private insurance	48.7%
Public insurance	49.0%
No insurance	15.9%
Uninsured under 19	27.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,605	97.6%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,670	100.0%
Born in same state	2,670	100.0%
Born in different state	1,703	63.8%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	332	12.4%
Polish	145	5.4%
Italian	84	3.1%

Ancestry	Count	%
Arab	52	1.9%
English	44	1.6%

Technology access

Metric	% of households
Computer access	32.6%
Internet access	100.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 81524

What city is ZIP code 81524 in?

ZIP code 81524 is primarily assigned to Loma, Colorado.

What county is ZIP code 81524 in?

ZIP code 81524 falls within Mesa County, Colorado.

Is ZIP code 81524 mostly owner-occupied?

88% of occupied units in ZIP code 81524 are owner-occupied, well above the national average.

What is the median household income in ZIP code 81524?

The median household income in ZIP code 81524 is $129,914, above the national median of ~$75,000.

What is the typical home value in ZIP code 81524?

The median home value in ZIP code 81524 is $631,700.

What is the population of ZIP code 81524?

ZIP code 81524 has an estimated population of 2,670 residents, with a density of 19 people per square mile.

What timezone is ZIP code 81524 in?

ZIP code 81524 observes the MST timezone.