81430 ZIP Code — Placerville, CO

San Miguel County, Colorado

ZIP code 81430 is located in Placerville, Colorado, within San Miguel County. It covers approximately 217.70 square miles and serves a population of 745 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 970.

About ZIP code 81430

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $857,100. Owner-occupancy is high at 83%, well above the national average.

The gap between median ($68,654) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 42% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

Educational attainment is high — 69% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 81430 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

745

population

217.70

sq mi land

Standard

ZIP type

Mountain (MT)

timezone

81430 ZIP code map

Cities in ZIP code 81430

Below are the cities the US Postal Service accepts for ZIP code 81430. Using any city not on this list may result in mail delivery delays.

City	Status
Placerville	Acceptable

Demographics updated 06/2026

Population
Total population	745
Population density	3 / sq mi
State FIPS	08
County FIPS	113

Geography
Land area	217.70 sq mi
Water area	0.08 sq mi
Latitude	37.9648
Longitude	-108.0412
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	38.0%	36.4%	32.5%
$50k – $100k	18.7%	32.9%	31.0%
$100k – $200k	27.6%	21.5%	26.9%
Over $200k	15.7%	9.2%	9.6%

Demographics & statistics

745

Population

People per sq mi

56.2

Median age

$68,654

Median household income

$50,400

Per capita income

$857,100

Median home value

$1,908

Median monthly rent

83.1%

Home ownership

4.0%

Poverty rate

2.6%

Unemployment

556

Housing units

68.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	99	13.3%
18 and over	646	86.7%
65 and over	234	31.4%
Median age	56.2 years

Race & ethnicity

White 98%

American Indian / Alaska Native 2%

Group	Count	%
White	730	98%
American Indian / Alaska Native	15	2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.0%	36.4%	32.5%
$50k – $100k	18.7%	32.9%	31.0%
$100k – $200k	27.6%	21.5%	26.9%
Over $200k	15.7%	9.2%	9.6%

Under $10k 5.5%

$10k–$15k 3.2%

$15k–$25k 5.2%

$25k–$35k 3.2%

$35k–$50k 24.7%

$50k–$75k 12.2%

$75k–$100k 5.8%

$100k–$150k 18.3%

$150k–$200k 5.2%

$200k+ 16.6%

Range	% of households
Under $10k	5.5%
$10k–$15k	3.2%
$15k–$25k	5.2%
$25k–$35k	3.2%
$35k–$50k	24.7%
$50k–$75k	12.2%
$75k–$100k	5.8%
$100k–$150k	18.3%
$150k–$200k	5.2%
$200k+	16.6%
Median income	$68,654

Housing

Home values

$150k–$200k 8.4%

$300k–$500k 19.6%

$500k–$1M 30.4%

$1M+ 41.6%

Housing overview

Metric	Value
Median home value	$857,100
Median rent / month	$1,908
Owner occupied	83.1%
Renter occupied	16.9%
Vacant	44.0%
Single-family detached	94.3%
Large apartment buildings	0.0%
Mobile homes	4.4%
Median rooms	5.5
Avg household size (owned)	2.12

Year built

Era	%
2020 or later	1.3%
2010–2019	5.9%
2000–2009	21.3%
1990–1999	29.0%
1980–1989	25.9%
1970–1979	12.2%
1960–1969	2.0%
1950–1959	1.1%
1940–1949	0.0%
1939 or earlier	1.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.3%
1 bedroom	11.7%
2 bedrooms	46.3%
3 bedrooms	36.8%
4 bedrooms	2.9%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	20.1%
2 vehicles	52.6%
3 or more	27.3%

Heating fuel

Fuel type	%
Utility gas	40.1%
Propane / LP gas	44.5%
Fuel oil	2.0%
Wood	13.4%

Households & families

Household type	Count	%
Married-couple family	210	61.0%
Cohabiting couple	0	0.0%
Male householder, no spouse	83	24.1%
Female householder, no spouse	51	14.8%
Households with children under 18	102	29.7%
Households with seniors (65+)	144	41.9%
Average household size	2.17

Marital status

Status	Male	Female
Never married	23.4%	16.5%
Married	66.1%	72.7%
Separated	0.0%	2.9%
Widowed	3.7%	4.8%
Divorced	6.8%	3.2%

Education

Less than 9th grade 0.0%

Some HS, no diploma 0.0%

HS graduate 12.9%

Some college, no degree 14.5%

Associate's degree 4.1%

Bachelor's degree 46.7%

Graduate / professional 21.7%

Metric	%
HS diploma or higher	100.0%
Bachelor's or higher	68.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	14	14.6%
Kindergarten	5	5.2%
Elementary school	28	29.2%
High school	25	26.0%
College / grad school	24	25.0%

Employment

Industry of employment

Education & healthcare 21.0%

Professional & management 18.1%

Public administration 17.2%

Construction 8.7%

Retail trade 7.1%

Finance & real estate 6.9%

Agriculture & mining 6.0%

Wholesale trade 5.1%

Arts, food & hospitality 3.1%

Manufacturing 2.5%

Information 2.2%

Transportation & utilities 2.0%

Occupation

Category	%
Management, business & arts	69.9%
Service	7.6%
Sales & office	12.5%
Natural resources & construction	7.1%
Production & transportation	2.9%

Employment type

Type	%
Private sector	57.6%
Government	27.5%
Self-employed	15.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.0%
Carpool	3.9%
Public transit	0.0%
Walk	3.0%
Work from home	17.1%
Other means	0.0%
Avg commute (minutes)	25.6

Poverty

All people 4.0%

Under 18 years 0.0%

18 and over 4.6%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	42.2%
Retirement income	7.6%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	3.8%

Health indicators

Condition	%
Obesity	23.1%
High blood pressure	24.1%
High cholesterol	29.6%
Diabetes	6.3%
Heart disease	4.1%
Stroke	1.8%
Asthma	9.1%
Arthritis	19.9%
Kidney disease	2.0%
Pulmonary disease	4.1%
Cancer	6.1%

Behavior / access	%
Smoking	11.4%
Binge drinking	20.0%
No physical activity	12.2%
Less than 7 hrs sleep	25.9%
Depression	18.5%
Fair or poor health	7.3%
Poor mental health	11.9%
Poor physical health	7.2%
No health insurance	7.7%
Visited doctor (checkup)	66.2%
Visited dentist	75.1%
Cholesterol screening	93.2%
Teeth loss	6.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	50	7.7%

Disability	%
Any disability	6.6%
Under 18	0.0%
18–64 years	5.3%
65 and over	11.5%

Health insurance coverage

Type	%
Private insurance	61.3%
Public insurance	40.4%
No insurance	0.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	716	96.1%
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)	745	100.0%
Born in same state	736	98.8%
Born in different state	178	23.9%
Foreign born	9	1.2%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	125	16.8%
Italian	92	12.3%

Ancestry	Count	%
Arab	12	1.6%
Polish	9	1.2%

Technology access

Metric	% of households
Computer access	46.2%
Internet access	96.8%

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

Frequently asked questions about ZIP code 81430

What city is ZIP code 81430 in?

ZIP code 81430 is primarily assigned to Placerville, Colorado.

What county is ZIP code 81430 in?

ZIP code 81430 falls within San Miguel County, Colorado.

How educated is the population of ZIP code 81430?

69% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 81430 have an older population?

31% of residents in ZIP code 81430 are 65 or older, above the national average of ~17%.

Is ZIP code 81430 mostly owner-occupied?

83% of occupied units in ZIP code 81430 are owner-occupied, well above the national average.

Does ZIP code 81430 have a large retiree population?

42% of households in ZIP code 81430 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 81430 in?

ZIP code 81430 observes the MST timezone.