81432 ZIP Code — Ridgway, CO

Ouray County, Colorado

ZIP code 81432 is located in Ridgway, Colorado, within Ouray County. It covers approximately 300.36 square miles and serves a population of 3,075 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 970.

About ZIP code 81432

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 $685,500. Owner-occupancy is high at 76%, well above the national average.

Median household income is $75,833. The poverty rate of 6% is below the national average. 48% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 31 minutes is near the national average.

Educational attainment is high — 53% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 81432 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

3,075

population

300.36

sq mi land

Standard

ZIP type

Mountain (MT)

timezone

81432 ZIP code map

Cities in ZIP code 81432

Below are the cities the US Postal Service accepts for ZIP code 81432. Using any city not on this list may result in mail delivery delays.

City	Status
Ridgway	Preferred

Nearby ZIP codes

81435 Telluride (11.5 mi) 81403 Montrose (19.6 mi)

Demographics updated 06/2026

Population
Total population	3,075
Population density	10 / sq mi
State FIPS	08
County FIPS	091

Geography
Land area	300.36 sq mi
Water area	1.49 sq mi
Latitude	38.1049
Longitude	-107.8351
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	39.7%	36.7%	32.5%
$50k – $100k	32.3%	36.0%	31.0%
$100k – $200k	20.8%	20.4%	26.9%
Over $200k	7.2%	6.8%	9.6%

Demographics & statistics

3,075

Population

People per sq mi

57.9

Median age

$75,833

Median household income

$49,937

Per capita income

$685,500

Median home value

$1,244

Median monthly rent

75.6%

Home ownership

5.6%

Poverty rate

5.1%

Unemployment

1,622

Housing units

52.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

185

25–34

166

115

35–44

102

195

45–54

174

119

55–59

106

155

60–64

139

442

65–74

395

147

75–84

131

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	401	13.0%
18 and over	2,674	87.0%
65 and over	1,151	37.4%
Median age	57.9 years

Race & ethnicity

White 88.6%

Two or more races 5.5%

Hispanic or Latino 3.5%

Other race 1.2%

Black or African American 1%

Asian 0.2%

Group	Count	%
White	2,824	88.6%
Two or more races	176	5.5%
Hispanic or Latino	112	3.5%
Other race	37	1.2%
Black or African American	33	1%
Asian	5	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.7%	36.7%	32.5%
$50k – $100k	32.3%	36.0%	31.0%
$100k – $200k	20.8%	20.4%	26.9%
Over $200k	7.2%	6.8%	9.6%

Under $10k 2.1%

$10k–$15k 2.1%

$15k–$25k 12.8%

$25k–$35k 5.1%

$35k–$50k 14.3%

$50k–$75k 13.5%

$75k–$100k 16.0%

$100k–$150k 15.8%

$150k–$200k 6.1%

$200k+ 12.2%

Range	% of households
Under $10k	2.1%
$10k–$15k	2.1%
$15k–$25k	12.8%
$25k–$35k	5.1%
$35k–$50k	14.3%
$50k–$75k	13.5%
$75k–$100k	16.0%
$100k–$150k	15.8%
$150k–$200k	6.1%
$200k+	12.2%
Median income	$75,833

Housing

Home values

Under $50k 2.1%

$50k–$100k 0.8%

$100k–$150k 0.7%

$200k–$300k 3.4%

$300k–$500k 23.1%

$500k–$1M 46.3%

$1M+ 23.6%

Housing overview

Metric	Value
Median home value	$685,500
Median rent / month	$1,244
Owner occupied	75.6%
Renter occupied	24.4%
Vacant	23.2%
Single-family detached	71.8%
Large apartment buildings	0.3%
Mobile homes	7.4%
Median rooms	5.8
Avg household size (owned)	2.05

Year built

Era	%
2020 or later	0.3%
2010–2019	11.8%
2000–2009	28.5%
1990–1999	22.7%
1980–1989	12.5%
1970–1979	10.0%
1960–1969	1.9%
1950–1959	5.4%
1940–1949	0.6%
1939 or earlier	6.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	10.7%
2 bedrooms	27.4%
3 bedrooms	41.4%
4 bedrooms	16.1%
5+ bedrooms	2.6%

Vehicles per household

Vehicles	% of households
No vehicle	0.7%
1 vehicle	27.3%
2 vehicles	46.3%
3 or more	25.7%

Heating fuel

Fuel type	%
Utility gas	52.0%
Electricity	13.0%
Propane / LP gas	24.4%
Wood	7.4%
Solar	2.9%

Households & families

Household type	Count	%
Married-couple family	821	53.5%
Cohabiting couple	151	9.8%
Male householder, no spouse	358	23.3%
Female householder, no spouse	204	13.3%
Households with children under 18	220	14.3%
Households with seniors (65+)	764	49.8%
Average household size	2.00

Marital status

Status	Male	Female
Never married	21.6%	22.1%
Married	59.9%	65.7%
Separated	3.9%	0.0%
Widowed	1.4%	3.2%
Divorced	13.2%	9.0%

Education

Less than 9th grade 0.3%

Some HS, no diploma 1.4%

HS graduate 13.7%

Some college, no degree 22.4%

Associate's degree 9.7%

Bachelor's degree 30.2%

Graduate / professional 22.2%

Metric	%
HS diploma or higher	98.3%
Bachelor's or higher	52.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	65	15.9%
Kindergarten	18	4.4%
Elementary school	108	26.3%
High school	130	31.7%
College / grad school	89	21.7%

Employment

Industry of employment

Professional & management 19.2%

Arts, food & hospitality 17.7%

Construction 17.1%

Education & healthcare 16.4%

Retail trade 10.8%

Transportation & utilities 4.3%

Public administration 3.9%

Finance & real estate 3.8%

Manufacturing 2.9%

Agriculture & mining 2.5%

Other services 1.5%

Occupation

Category	%
Management, business & arts	46.7%
Service	7.8%
Sales & office	19.8%
Natural resources & construction	19.5%
Production & transportation	6.1%

Employment type

Type	%
Private sector	80.1%
Government	10.1%
Self-employed	9.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	63.2%
Carpool	13.6%
Public transit	0.0%
Walk	6.4%
Work from home	16.1%
Other means	0.6%
Avg commute (minutes)	30.5

Poverty

All people 5.6%

Under 18 years 2.5%

18 and over 6.1%

Married-couple families 1.0%

Female-led households 24.1%

Income support

Source	% of households
Social Security	48.2%
Retirement income	32.1%
Supplemental Security	0.8%
Cash public assistance	0.7%
Food stamps / SNAP	7.6%

Health indicators

Condition	%
Obesity	24.3%
High blood pressure	29.2%
High cholesterol	33.2%
Diabetes	8.5%
Heart disease	5.9%
Stroke	2.7%
Asthma	9.6%
Arthritis	25.8%
Kidney disease	2.7%
Pulmonary disease	5.9%
Cancer	8.0%

Behavior / access	%
Smoking	12.6%
Binge drinking	16.7%
No physical activity	14.8%
Less than 7 hrs sleep	26.5%
Depression	18.9%
Fair or poor health	9.7%
Poor mental health	12.0%
Poor physical health	9.0%
No health insurance	8.3%
Visited doctor (checkup)	69.6%
Visited dentist	71.6%
Cholesterol screening	93.9%
Teeth loss	7.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	293	11.0%

Disability	%
Any disability	14.5%
Under 18	1.0%
18–64 years	10.2%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	54.6%
Public insurance	47.7%
No insurance	12.6%
Uninsured under 19	3.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,952	96.0%
Spanish	38	1.3%
Other Indo-European	32	1.1%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,971	96.6%
Born in same state	2,925	95.1%
Born in different state	816	26.5%
Foreign born	46	1.5%
Naturalized citizen	104	3.4%
Not a US citizen	51	49.0%

Ancestry

Ancestry	Count	%
French	702	22.8%
Italian	322	10.5%
Arab	145	4.7%
English	47	1.5%
Polish	46	1.5%

Ancestry	Count	%
German	38	1.2%
Dutch	28	0.9%
Irish	5	0.2%
Norwegian	2	0.1%

Technology access

Metric	% of households
Computer access	49.9%
Internet access	96.3%

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

Frequently asked questions about ZIP code 81432

What city is ZIP code 81432 in?

ZIP code 81432 is primarily assigned to Ridgway, Colorado.

What county is ZIP code 81432 in?

ZIP code 81432 falls within Ouray County, Colorado.

Does ZIP code 81432 have an older population?

37% of residents in ZIP code 81432 are 65 or older, above the national average of ~17%.

Does ZIP code 81432 have a large retiree population?

48% of households in ZIP code 81432 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 81432?

53% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 81432 have a large veteran population?

11% of civilians in ZIP code 81432 are veterans, above the national average of ~7%.

What timezone is ZIP code 81432 in?

ZIP code 81432 observes the MST timezone.