81403 ZIP Code — Montrose, CO

Montrose County, Colorado

ZIP code 81403 is located in Montrose, Colorado, within Montrose County. It covers approximately 505.70 square miles and serves a population of 11,384 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 970.

About ZIP code 81403

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 $428,300. Owner-occupancy is high at 81%, well above the national average.

Median household income is $77,011. The poverty rate of 7% is below the national average. 44% 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 23 minutes is near the national average.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

17% of residents lack health insurance, above the national average.

Overall, ZIP code 81403 reflects a community defined by high homeownership and a significant Social Security-dependent population.

11,384

population

505.70

sq mi land

Standard

ZIP type

Mountain (MT)

timezone

81403 ZIP code map

Cities in ZIP code 81403

Below are the cities the US Postal Service accepts for ZIP code 81403. Using any city not on this list may result in mail delivery delays.

City	Status
Montrose	Preferred

Nearby ZIP codes

81401 Montrose (2.6 mi) 81432 Ridgway (19.6 mi) 81425 Olathe (19.9 mi)

Demographics updated 06/2026

Population
Total population	11,384
Population density	23 / sq mi
State FIPS	08
County FIPS	085

Geography
Land area	505.70 sq mi
Water area	0.11 sq mi
Latitude	38.3836
Longitude	-107.9058
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	38.2%	46.3%	32.5%
$50k – $100k	35.2%	33.9%	31.0%
$100k – $200k	23.2%	16.8%	26.9%
Over $200k	3.5%	3.1%	9.6%

Demographics & statistics

11,384

Population

People per sq mi

48.1

Median age

$77,011

Median household income

$42,599

Per capita income

$428,300

Median home value

$1,206

Median monthly rent

80.8%

Home ownership

7.4%

Poverty rate

4.5%

Unemployment

4,280

Housing units

34.3%

Bachelor's or higher

Age distribution

Male Female

293

Under 5

286

349

5–9

341

317

10–14

308

229

15–19

223

294

20–24

286

466

25–34

454

783

35–44

763

628

45–54

612

368

55–59

358

525

60–64

512

1,044

65–74

1,018

419

75–84

408

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,218	19.5%
18 and over	9,166	80.5%
65 and over	2,989	26.3%
Median age	48.1 years

Race & ethnicity

White 74.4%

Hispanic or Latino 10.6%

Two or more races 10.1%

Other race 2.5%

American Indian / Alaska Native 1.4%

Black or African American 0.5%

Asian 0.4%

Group	Count	%
White	9,473	74.4%
Hispanic or Latino	1,351	10.6%
Two or more races	1,290	10.1%
Other race	324	2.5%
American Indian / Alaska Native	181	1.4%
Black or African American	66	0.5%
Asian	50	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.2%	46.3%	32.5%
$50k – $100k	35.2%	33.9%	31.0%
$100k – $200k	23.2%	16.8%	26.9%
Over $200k	3.5%	3.1%	9.6%

Under $10k 3.0%

$10k–$15k 2.0%

$15k–$25k 6.0%

$25k–$35k 7.7%

$35k–$50k 12.1%

$50k–$75k 18.4%

$75k–$100k 17.8%

$100k–$150k 17.8%

$150k–$200k 6.8%

$200k+ 8.4%

Range	% of households
Under $10k	3.0%
$10k–$15k	2.0%
$15k–$25k	6.0%
$25k–$35k	7.7%
$35k–$50k	12.1%
$50k–$75k	18.4%
$75k–$100k	17.8%
$100k–$150k	17.8%
$150k–$200k	6.8%
$200k+	8.4%
Median income	$77,011

Housing

Home values

Under $50k 12.0%

$50k–$100k 1.4%

$100k–$150k 1.2%

$150k–$200k 0.9%

$200k–$300k 15.2%

$300k–$500k 31.6%

$500k–$1M 31.2%

$1M+ 6.6%

Housing overview

Metric	Value
Median home value	$428,300
Median rent / month	$1,206
Owner occupied	80.8%
Renter occupied	19.2%
Vacant	8.7%
Single-family detached	73.9%
Large apartment buildings	0.0%
Mobile homes	22.8%
Median rooms	6.1
Avg household size (owned)	2.43

Year built

Era	%
2020 or later	0.4%
2010–2019	12.7%
2000–2009	26.0%
1990–1999	17.5%
1980–1989	16.5%
1970–1979	13.7%
1960–1969	4.3%
1950–1959	1.1%
1940–1949	2.7%
1939 or earlier	5.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.2%
1 bedroom	4.1%
2 bedrooms	15.3%
3 bedrooms	59.4%
4 bedrooms	13.8%
5+ bedrooms	6.2%

Vehicles per household

Vehicles	% of households
No vehicle	0.5%
1 vehicle	17.6%
2 vehicles	45.2%
3 or more	36.8%

Heating fuel

Fuel type	%
Utility gas	62.2%
Electricity	7.5%
Propane / LP gas	17.7%
Fuel oil	0.6%
Wood	9.5%
Solar	0.3%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	3,091	65.3%
Cohabiting couple	236	5.0%
Male householder, no spouse	609	12.9%
Female householder, no spouse	800	16.9%
Households with children under 18	1,264	26.7%
Households with seniors (65+)	2,046	43.2%
Average household size	2.40

Marital status

Status	Male	Female
Never married	21.3%	13.0%
Married	64.3%	68.4%
Separated	0.7%	1.4%
Widowed	3.1%	8.5%
Divorced	10.7%	8.7%

Education

Less than 9th grade 4.2%

Some HS, no diploma 3.8%

HS graduate 27.2%

Some college, no degree 23.9%

Associate's degree 6.6%

Bachelor's degree 24.1%

Graduate / professional 10.1%

Metric	%
HS diploma or higher	92.0%
Bachelor's or higher	34.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	214	11.3%
Kindergarten	68	3.6%
Elementary school	934	49.4%
High school	384	20.3%
College / grad school	290	15.3%

Employment

Industry of employment

Education & healthcare 20.1%

Retail trade 14.7%

Construction 13.2%

Arts, food & hospitality 8.8%

Manufacturing 8.7%

Finance & real estate 8.5%

Professional & management 7.1%

Agriculture & mining 4.6%

Transportation & utilities 4.5%

Other services 3.0%

Public administration 3.0%

Information 2.1%

Wholesale trade 1.7%

Occupation

Category	%
Management, business & arts	33.4%
Service	16.7%
Sales & office	21.4%
Natural resources & construction	15.4%
Production & transportation	13.1%

Employment type

Type	%
Private sector	77.2%
Government	8.4%
Self-employed	13.7%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	78.9%
Carpool	9.1%
Public transit	0.3%
Walk	2.9%
Work from home	7.7%
Other means	1.1%
Avg commute (minutes)	23.2

Poverty

All people 7.4%

Under 18 years 12.4%

18 and over 6.2%

Married-couple families 4.2%

Female-led households 13.6%

Income support

Source	% of households
Social Security	44.4%
Retirement income	31.7%
Supplemental Security	4.6%
Cash public assistance	0.2%
Food stamps / SNAP	5.7%

Health indicators

Condition	%
Obesity	26.4%
High blood pressure	31.1%
High cholesterol	33.4%
Diabetes	9.5%
Heart disease	6.7%
Stroke	3.1%
Asthma	10.0%
Arthritis	25.9%
Kidney disease	3.0%
Pulmonary disease	6.9%
Cancer	7.8%

Behavior / access	%
Smoking	15.2%
Binge drinking	15.6%
No physical activity	19.8%
Less than 7 hrs sleep	27.0%
Depression	19.7%
Fair or poor health	12.6%
Poor mental health	13.3%
Poor physical health	10.4%
No health insurance	13.1%
Visited doctor (checkup)	68.8%
Visited dentist	65.6%
Cholesterol screening	91.9%
Teeth loss	11.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	842	9.2%

Disability	%
Any disability	10.7%
Under 18	1.2%
18–64 years	8.9%
65 and over	21.5%

Health insurance coverage

Type	%
Private insurance	52.1%
Public insurance	45.1%
No insurance	17.0%
Uninsured under 19	19.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,805	94.9%
Spanish	755	7.0%
Other Indo-European	711	6.6%
Asian & Pacific Islander	8	0.1%
Other languages	36	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,521	92.4%
Born in same state	10,411	91.5%
Born in different state	4,654	40.9%
Foreign born	110	1.0%
Naturalized citizen	863	7.6%
Not a US citizen	481	55.7%

Ancestry

Ancestry	Count	%
French	1,648	14.5%
Italian	1,013	8.9%
Arab	890	7.8%
Polish	211	1.9%

Ancestry	Count	%
English	137	1.2%
Dutch	101	0.9%
Norwegian	15	0.1%

Technology access

Metric	% of households
Computer access	41.6%
Internet access	94.9%

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

Frequently asked questions about ZIP code 81403

What city is ZIP code 81403 in?

ZIP code 81403 is primarily assigned to Montrose, Colorado.

What county is ZIP code 81403 in?

ZIP code 81403 falls within Montrose County, Colorado.

Does ZIP code 81403 have an older population?

26% of residents in ZIP code 81403 are 65 or older, above the national average of ~17%.

Does ZIP code 81403 have a large retiree population?

44% of households in ZIP code 81403 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 81403 mostly owner-occupied?

81% of occupied units in ZIP code 81403 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 81403?

The median home value in ZIP code 81403 is $428,300.

What timezone is ZIP code 81403 in?

ZIP code 81403 observes the MST timezone.