81401 ZIP Code — Montrose, CO
Montrose County, Colorado
ZIP code 81401 is located in Montrose, Colorado, within Montrose County. It covers approximately 200.16 square miles and serves a population of 23,665 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 970.
About ZIP code 81401
The housing stock consists of a mix of housing types. Most homes were built in the 2000s, giving the area an established character. Median home value is $298,800. Owner-occupancy sits near the national average at 72%.
Median household income is $57,904. 41% 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 18 minutes is near the national average.
Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.
23,665
population
200.16
sq mi land
Standard
ZIP type
Mountain (MT)
timezone
81401 ZIP code map
Cities in ZIP code 81401
Below are the cities the US Postal Service accepts for ZIP code 81401. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Montrose | Acceptable |
| Montrose | Preferred |
Nearby ZIP codes
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 23,665 |
| Population density | 118 / sq mi |
| State FIPS | 08 |
| County FIPS | 085 |
| Geography | |
|---|---|
| Land area | 200.16 sq mi |
| Water area | 0.11 sq mi |
| Latitude | 38.4210 |
| Longitude | -107.9049 |
| Timezone | Mountain (MT) |
| Area code | 970 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 49.1% | 46.3% | 32.5% |
| $50k – $100k | 33.0% | 33.9% | 31.0% |
| $100k – $200k | 14.5% | 16.8% | 26.9% |
| Over $200k | 3.3% | 3.1% | 9.6% |
Demographics & statistics
23,665
Population
118
People per sq mi
47.4
Median age
$57,904
Median household income
$35,141
Per capita income
$298,800
Median home value
$1,032
Median monthly rent
72.2%
Home ownership
13.1%
Poverty rate
4.4%
Unemployment
7,990
Housing units
28.7%
Bachelor's or higher
Age distribution
Male
Female
564
Under 5
600
575
5–9
612
798
10–14
848
632
15–19
671
526
20–24
558
1,219
25–34
1,296
1,215
35–44
1,292
1,394
45–54
1,482
836
55–59
888
838
60–64
891
1,572
65–74
1,670
1,002
75–84
1,064
302
85+
320
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 4,851 | 20.5% |
| 18 and over | 18,814 | 79.5% |
| 65 and over | 5,930 | 25.1% |
| Median age | 47.4 years | |
Race & ethnicity
White
75.4%
Two or more races
10.2%
Hispanic or Latino
10.2%
Other race
1.9%
American Indian / Alaska Native
1.2%
Asian
0.7%
Black or African American
0.3%
| Group | Count | % |
|---|---|---|
| White | 19,870 | 75.4% |
| Two or more races | 2,702 | 10.2% |
| Hispanic or Latino | 2,699 | 10.2% |
| Other race | 504 | 1.9% |
| American Indian / Alaska Native | 320 | 1.2% |
| Asian | 175 | 0.7% |
| Black or African American | 90 | 0.3% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 49.1% | 46.3% | 32.5% |
| $50k – $100k | 33.0% | 33.9% | 31.0% |
| $100k – $200k | 14.5% | 16.8% | 26.9% |
| Over $200k | 3.3% | 3.1% | 9.6% |
Under $10k
5.4%
$10k–$15k
4.5%
$15k–$25k
10.3%
$25k–$35k
10.7%
$35k–$50k
12.5%
$50k–$75k
16.4%
$75k–$100k
13.9%
$100k–$150k
14.6%
$150k–$200k
5.0%
$200k+
6.8%
| Range | % of households |
|---|---|
| Under $10k | 5.4% |
| $10k–$15k | 4.5% |
| $15k–$25k | 10.3% |
| $25k–$35k | 10.7% |
| $35k–$50k | 12.5% |
| $50k–$75k | 16.4% |
| $75k–$100k | 13.9% |
| $100k–$150k | 14.6% |
| $150k–$200k | 5.0% |
| $200k+ | 6.8% |
| Median income | $57,904 |
Housing
Home values
Under $50k
8.7%
$50k–$100k
3.2%
$100k–$150k
4.4%
$150k–$200k
5.5%
$200k–$300k
28.6%
$300k–$500k
35.2%
$500k–$1M
13.2%
$1M+
1.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $298,800 |
| Median rent / month | $1,032 |
| Owner occupied | 72.2% |
| Renter occupied | 27.8% |
| Vacant | 10.0% |
| Single-family detached | 66.4% |
| Large apartment buildings | 3.6% |
| Mobile homes | 13.6% |
| Median rooms | 5.6 |
| Avg household size (owned) | 2.49 |
Year built
| Era | % |
|---|---|
| 2020 or later | 1.0% |
| 2010–2019 | 6.3% |
| 2000–2009 | 23.0% |
| 1990–1999 | 20.3% |
| 1980–1989 | 11.2% |
| 1970–1979 | 17.6% |
| 1960–1969 | 5.9% |
| 1950–1959 | 5.8% |
| 1940–1949 | 0.5% |
| 1939 or earlier | 8.3% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.8% |
| 1 bedroom | 7.6% |
| 2 bedrooms | 22.3% |
| 3 bedrooms | 50.1% |
| 4 bedrooms | 14.4% |
| 5+ bedrooms | 2.8% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.0% |
| 1 vehicle | 31.7% |
| 2 vehicles | 40.6% |
| 3 or more | 23.7% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 73.1% |
| Electricity | 17.9% |
| Propane / LP gas | 3.8% |
| Wood | 3.8% |
| Solar | 0.2% |
| No fuel used | 0.3% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 4,595 | 47.9% |
| Cohabiting couple | 368 | 3.8% |
| Male householder, no spouse | 1,662 | 17.3% |
| Female householder, no spouse | 2,959 | 30.9% |
| Households with children under 18 | 2,315 | 24.2% |
| Households with seniors (65+) | 4,061 | 42.4% |
| Average household size | 2.43 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 28.3% | 20.0% |
| Married | 53.1% | 51.6% |
| Separated | 0.9% | 2.5% |
| Widowed | 4.0% | 10.5% |
| Divorced | 13.6% | 15.4% |
Education
Less than 9th grade
5.6%
Some HS, no diploma
5.2%
HS graduate
31.8%
Some college, no degree
22.4%
Associate's degree
6.3%
Bachelor's degree
18.6%
Graduate / professional
10.1%
| Metric | % |
|---|---|
| HS diploma or higher | 89.2% |
| Bachelor's or higher | 28.7% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 208 | 4.6% |
| Kindergarten | 225 | 5.0% |
| Elementary school | 2,261 | 50.4% |
| High school | 1,121 | 25.0% |
| College / grad school | 675 | 15.0% |
Employment
Industry of employment
Education & healthcare
24.1%
Retail trade
15.6%
Arts, food & hospitality
10.5%
Construction
10.4%
Professional & management
10.3%
Other services
7.7%
Manufacturing
5.5%
Public administration
4.3%
Transportation & utilities
3.3%
Finance & real estate
3.3%
Wholesale trade
2.4%
Agriculture & mining
1.8%
Information
0.7%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 32.9% |
| Service | 17.2% |
| Sales & office | 23.7% |
| Natural resources & construction | 13.4% |
| Production & transportation | 12.7% |
Employment type
| Type | % |
|---|---|
| Private sector | 77.2% |
| Government | 12.3% |
| Self-employed | 10.4% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 73.0% |
| Carpool | 8.4% |
| Public transit | 0.0% |
| Walk | 3.4% |
| Work from home | 12.7% |
| Other means | 2.4% |
| Avg commute (minutes) | 17.8 |
Poverty
All people
13.1%
Under 18 years
16.2%
18 and over
12.3%
Married-couple families
7.2%
Female-led households
16.8%
Income support
| Source | % of households |
|---|---|
| Social Security | 40.9% |
| Retirement income | 26.5% |
| Supplemental Security | 3.5% |
| Cash public assistance | 5.3% |
| Food stamps / SNAP | 11.4% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 27.1% |
| High blood pressure | 31.4% |
| High cholesterol | 31.9% |
| Diabetes | 10.1% |
| Heart disease | 7.3% |
| Stroke | 3.5% |
| Asthma | 10.4% |
| Arthritis | 26.1% |
| Kidney disease | 3.4% |
| Pulmonary disease | 7.7% |
| Cancer | 7.7% |
| Behavior / access | % |
|---|---|
| Smoking | 16.8% |
| Binge drinking | 15.4% |
| No physical activity | 22.9% |
| Less than 7 hrs sleep | 27.7% |
| Depression | 20.4% |
| Fair or poor health | 15.0% |
| Poor mental health | 14.6% |
| Poor physical health | 11.5% |
| No health insurance | 16.3% |
| Visited doctor (checkup) | 68.0% |
| Visited dentist | 60.3% |
| Cholesterol screening | 89.5% |
| Teeth loss | 14.2% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,540 | 8.2% |
| Disability | % |
|---|---|
| Any disability | 13.7% |
| Under 18 | 2.9% |
| 18–64 years | 11.2% |
| 65 and over | 28.3% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 51.2% |
| Public insurance | 52.7% |
| No insurance | 11.8% |
| Uninsured under 19 | 12.3% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 22,501 | 95.1% |
| Spanish | 1,521 | 6.8% |
| Other Indo-European | 1,188 | 5.3% |
| Asian & Pacific Islander | 318 | 1.4% |
| Other languages | 15 | 0.1% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 22,012 | 93.0% |
| Born in same state | 21,748 | 91.9% |
| Born in different state | 10,803 | 45.6% |
| Foreign born | 264 | 1.1% |
| Naturalized citizen | 1,653 | 7.0% |
| Not a US citizen | 560 | 33.9% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 2,824 | 11.9% |
| Italian | 2,232 | 9.4% |
| Arab | 953 | 4% |
| Polish | 536 | 2.3% |
| English | 302 | 1.3% |
| Ancestry | Count | % |
|---|---|---|
| Norwegian | 72 | 0.3% |
| Dutch | 62 | 0.3% |
| German | 41 | 0.2% |
| Irish | 10 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 40.5% |
| Internet access | 89.1% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 81401
What city is ZIP code 81401 in?
ZIP code 81401 is primarily assigned to Montrose, Colorado.
What county is ZIP code 81401 in?
ZIP code 81401 falls within Montrose County, Colorado.
Does ZIP code 81401 have an older population?
25% of residents in ZIP code 81401 are 65 or older, above the national average of ~17%.
Does ZIP code 81401 have a large retiree population?
41% of households in ZIP code 81401 receive Social Security income, suggesting a significant retiree or disability population.
What is the population of ZIP code 81401?
ZIP code 81401 has an estimated population of 23,665 residents, with a density of 118 people per square mile.
What is the typical home value in ZIP code 81401?
The median home value in ZIP code 81401 is $298,800.
What timezone is ZIP code 81401 in?
ZIP code 81401 observes the MST timezone.