81040 ZIP Code — Gardner, CO

Huerfano County, Colorado

ZIP code 81040 is located in Gardner, Colorado, within Huerfano County. It covers approximately 474.74 square miles and serves a population of 263 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 719.

About ZIP code 81040

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $343,800. Owner-occupancy is high at 87%, well above the national average.

The dominant occupation class is management, business, and professional, with agriculture and mining as the leading industry. The average commute of 27 minutes is near the national average.

Educational attainment is near the national average, with 21% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 81040 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

263

population

474.74

sq mi land

Standard

ZIP type

Mountain (MT)

timezone

81040 ZIP code map

Cities in ZIP code 81040

Below are the cities the US Postal Service accepts for ZIP code 81040. Using any city not on this list may result in mail delivery delays.

City	Status
Gardner	Acceptable
Gardner	Preferred

Nearby ZIP codes

81133 Fort Garland (19.9 mi)

Demographics updated 05/2026

Population
Total population	263
Population density	1 / sq mi
State FIPS	08
County FIPS	055

Geography
Land area	474.74 sq mi
Water area	0.17 sq mi
Latitude	37.7595
Longitude	-105.2852
Timezone	Mountain (MT)
Area code	719

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	53.7%	60.1%	32.5%
$50k – $100k	29.3%	27.3%	31.0%
$100k – $200k	17.1%	11.1%	26.9%
Over $200k	0.0%	1.4%	9.6%

Demographics & statistics

263

Population

People per sq mi

64.1

Median age

Median household income

$30,359

Per capita income

$343,800

Median home value

Median monthly rent

87.0%

Home ownership

14.8%

Poverty rate

0.0%

Unemployment

355

Housing units

21.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	19	7.2%
18 and over	244	92.8%
65 and over	116	44.1%
Median age	64.1 years

Race & ethnicity

White 89.2%

Hispanic or Latino 5.4%

Two or more races 2.9%

Other race 2.5%

Group	Count	%
White	248	89.2%
Hispanic or Latino	15	5.4%
Two or more races	8	2.9%
Other race	7	2.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	53.7%	60.1%	32.5%
$50k – $100k	29.3%	27.3%	31.0%
$100k – $200k	17.1%	11.1%	26.9%
Over $200k	0.0%	1.4%	9.6%

Under $10k 6.8%

$10k–$15k 4.8%

$15k–$25k 31.5%

$25k–$35k 10.3%

$35k–$50k 8.2%

$75k–$100k 16.4%

$100k–$150k 21.9%

Range	% of households
Under $10k	6.8%
$10k–$15k	4.8%
$15k–$25k	31.5%
$25k–$35k	10.3%
$35k–$50k	8.2%
$75k–$100k	16.4%
$100k–$150k	21.9%
Median income	$0

Housing

Home values

$50k–$100k 23.6%

$150k–$200k 11.8%

$200k–$300k 6.3%

$300k–$500k 33.1%

$500k–$1M 6.3%

$1M+ 18.9%

Housing overview

Metric	Value
Median home value	$343,800
Median rent / month	$0
Owner occupied	87.0%
Renter occupied	13.0%
Vacant	61.0%
Single-family detached	89.8%
Large apartment buildings	0.0%
Mobile homes	10.2%
Median rooms	4.8
Avg household size (owned)	1.53

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	7.2%
1990–1999	5.9%
1980–1989	3.2%
1970–1979	13.9%
1960–1969	16.8%
1950–1959	16.3%
1940–1949	6.4%
1939 or earlier	30.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	13.1%
2 bedrooms	61.5%
3 bedrooms	23.3%
4 bedrooms	0.0%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	39.0%
2 vehicles	26.0%
3 or more	34.9%

Heating fuel

Fuel type	%
Utility gas	15.1%
Propane / LP gas	60.3%
Wood	24.7%

Households & families

Household type	Count	%
Married-couple family	76	52.1%
Cohabiting couple	0	0.0%
Male householder, no spouse	0	0.0%
Female householder, no spouse	70	47.9%
Households with children under 18	12	8.2%
Households with seniors (65+)	103	70.5%
Average household size	1.70

Marital status

Status	Male	Female
Never married	17.4%	5.1%
Married	82.6%	52.5%
Separated	0.0%	0.0%
Widowed	0.0%	3.2%
Divorced	0.0%	39.2%

Education

Less than 9th grade 0.0%

Some HS, no diploma 0.0%

HS graduate 34.5%

Some college, no degree 36.7%

Associate's degree 7.9%

Bachelor's degree 1.7%

Graduate / professional 19.2%

Metric	%
HS diploma or higher	100.0%
Bachelor's or higher	21.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	0	0.0%
High school	0	0.0%
College / grad school	22	100.0%

Employment

Industry of employment

Agriculture & mining 27.7%

Public administration 25.7%

Education & healthcare 23.8%

Professional & management 22.8%

Occupation

Category	%
Management, business & arts	82.2%
Service	0.0%
Sales & office	17.8%
Natural resources & construction	0.0%
Production & transportation	0.0%

Employment type

Type	%
Private sector	25.7%
Government	49.5%
Self-employed	24.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	92.1%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	7.9%
Other means	0.0%
Avg commute (minutes)	26.7

Poverty

All people 14.8%

Under 18 years 0.0%

18 and over 16.0%

Married-couple families 22.4%

Female-led households 0.0%

Income support

Source	% of households
Social Security	65.1%
Retirement income	10.3%
Supplemental Security	0.0%
Cash public assistance	20.5%
Food stamps / SNAP	6.8%

Health indicators

Condition	%
Obesity	25.1%
High blood pressure	34.3%
High cholesterol	36.9%
Diabetes	12.3%
Heart disease	7.8%
Stroke	3.5%
Asthma	9.4%
Arthritis	29.7%
Kidney disease	3.5%
Pulmonary disease	7.3%
Cancer	8.5%

Behavior / access	%
Smoking	14.1%
Binge drinking	15.3%
No physical activity	21.3%
Less than 7 hrs sleep	27.8%
Depression	17.9%
Fair or poor health	14.2%
Poor mental health	12.2%
Poor physical health	11.2%
No health insurance	14.3%
Visited doctor (checkup)	71.3%
Visited dentist	61.7%
Cholesterol screening	93.5%
Teeth loss	10.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	31	12.7%

Disability	%
Any disability	16.7%
Under 18	0.0%
18–64 years	3.1%
65 and over	34.5%

Health insurance coverage

Type	%
Private insurance	43.7%
Public insurance	85.2%
No insurance	0.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	244	92.8%
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)	263	100.0%
Born in same state	263	100.0%
Born in different state	139	52.9%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	23	8.7%

Technology access

Metric	% of households
Computer access	55.5%
Internet access	84.2%

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

Frequently asked questions about ZIP code 81040

What city is ZIP code 81040 in?

ZIP code 81040 is primarily assigned to Gardner, Colorado.

What county is ZIP code 81040 in?

ZIP code 81040 falls within Huerfano County, Colorado.

Does ZIP code 81040 have an older population?

44% of residents in ZIP code 81040 are 65 or older, above the national average of ~17%.

Does ZIP code 81040 have a large retiree population?

65% of households in ZIP code 81040 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 81040 mostly owner-occupied?

87% of occupied units in ZIP code 81040 are owner-occupied, well above the national average.

Does ZIP code 81040 have a large veteran population?

13% of civilians in ZIP code 81040 are veterans, above the national average of ~7%.

What timezone is ZIP code 81040 in?

ZIP code 81040 observes the MST timezone.